5012 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5012 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,046 sqft · built 1956
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$171,000 (Aug 2017)
Tax Bill	$3,102 (2026)
Deeds & Mortgages	Jul 2020 Mortgage Aug 2017 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-0790-01640`

Property Details

APN / Parcel Number

Primary APN	`010-0790-01640`
Alternative APN	`1036617`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,046 sqft Gross Area
1st Floor Area	1,046 sqft
Basement Area	261 sqft
Finished Basement	261 sqft

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	84 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1036617
Street Address	5012 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1650
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 164 AND 165 SERIAL #
Legal Subdivision	CROSLEY PARK ADDITION TO DULUTH
Legal Block	15
Legal Lot Number	164-165
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2022
Census Tract	200

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	5012 OTSEGO ST, DULUTH, MN 55804-1650
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 2, 2020	Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS
Aug 24, 2017	Affidavit of Death, Transfer NORTH SHORE TITLE
Aug 24, 2017	Warranty Deed, Transfer · Conventional Mortgage REPUBLIC BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2017 · Amount on Record
Deed Sale	Aug 24, 2017 · Amount on Record
Deed Document Number	20171316220
Prior Transfer Date	Oct 30, 2010
Prior Transfer Doc	0000069370
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5012 OTSEGO ST, DULUTH, MN 55804-1650
Document Number	00A1384776
Instrument Date	Jul 2, 2020
Transaction Type	Mortgage
Record Updated	Aug 31, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	5012 OTSEGO ST DULUTH MN 558041650, DULUTH, MN 55804-1650

Mortgage

Document Number	00A1384776
Date	Jul 13, 2020
Instrument	A1384776

Lender

Name	QUICKEN LNS
Type	Funding / Finance Company
Address	DETROIT, MI 48226-1906

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2050

August 2017: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2017
Property Address	5012 OTSEGO ST, DULUTH, MN 55804-1650
Document Number	00A1316219
Instrument Date	Aug 21, 2017
Instrument	A1316219
Transaction Type	Transfer
Record Updated	Sep 5, 2017
Title Company	NORTH SHORE TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5012 OTSEGO ST DULUTH MN 558041650, DULUTH, MN 55804-1650

August 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2017
Property Address	5012 OTSEGO ST, DULUTH, MN 55804-1650
Document Number	00A1316220
Instrument Date	Aug 21, 2017
Instrument	A1316220
Transaction Type	Transfer
Record Updated	Aug 24, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$564.30
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5012 OTSEGO ST DULUTH MN 558041650, DULUTH, MN 55804-1650

Mortgage

Document Number	A1316221
Date	Aug 24, 2017
Instrument	A1316221

Lender

Name	REPUBLIC BK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2047

Interest

Rate Type	Adjustable Rate
Rate	5%

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,102.00 (+7.19%) Homeowner's exemption
2025	$2,894.00 (+3.88%) Homeowner's exemption	$247,300 (+6.18%) Land $47,800 Building $199,500	$247,300 (+6.18%) Land $47,800 Building $199,500
2024	$2,786.00	$232,900 (+19.37%) Land $46,200 Building $186,700	$232,900 (+19.37%) Land $46,200 Building $186,700
2022		$195,100 Land $35,500 Building $159,600	$195,100 Land $35,500 Building $159,600

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 507 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

Nearby Properties on Otsego St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures