St. Louis County property record for 5017 Otsego St, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,160 sqft · built 1955 |
| Lot Size | 0.16 acres (7,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $228,000 (Dec 2019) |
| Tax Bill | $4,590 (2026) |
| Deeds & Mortgages | May 2026 Mortgage Nov 2023 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-0790-01920 |
| Primary APN | 010-0790-01920 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,160 sqft Gross Area |
| 1st Floor Area | 1,160 sqft |
| Basement Area | 928 sqft |
| Finished Basement | 928 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1955 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 7,000 sqft (0.16 acres) |
| Garage Area | 600 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 168 sqft |
| Deck Area | 24 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1083286 |
|---|---|
| Street Address | 5017 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1651 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOTS 192 AND 193 SERIAL # |
| Legal Subdivision | CROSLEY PARK ADDITION TO DULUTH |
| Legal Block | 18 |
| Legal Lot Number | 192-193 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2009 |
| Census Tract | 200 |
Source: St. Louis County records · APN 010-0790-01920
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 5017 OTSEGO ST, DULUTH, MN 55804-1651 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 13, 2026 | Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT |
| Nov 17, 2023 | Deed of Trust, Mortgage · FHA Mortgage US BANK NA |
| Dec 26, 2019 | Warranty Deed, Transfer · FHA Mortgage CARDINAL FIN'L |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Dec 26, 2019 · Amount on Record |
| Deed Sale | Dec 26, 2019 · Amount on Record |
| Prior Sale | Nov 21, 2019 · Amount on Record |
| Deed Document Number | 20191370246 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 13, 2026 |
| Property Address | 5017 OTSEGO ST, DULUTH, MN 55804-1651 |
| Document Number | 0001532583 |
| Instrument Date | Apr 30, 2026 |
| Instrument | 20261532583 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 5017 OTSEGO ST, DULUTH, MN 55804-1651 |
| Document Number | 0001532583, |
|---|---|
| Date | May 13, 2026 |
| Instrument | 20261532583 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 282 Months |
| Due | Nov 01, 2049 |
| Rate | 6.46% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5017 OTSEGO ST, DULUTH, MN 55804-1651 |
| Transaction Type | Mortgage |
| Record Updated | Dec 20, 2023 |
| Name | Verified Name |
|---|---|
| Address | 5017 OTSEGO ST, DULUTH, MN 55804-1651 |
| Document Number | 0001478295 |
|---|---|
| Date | Nov 17, 2023 |
| Instrument | 1478295 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | OWENSBORO, KY 42301 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Nov 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Dec 26, 2019 |
| Property Address | 5017 OTSEGO ST, DULUTH, MN 55804-1651 |
| Document Number | 00A1370246 |
| Instrument Date | Oct 24, 2019 |
| Instrument | A1370246 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $752.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5017 OTSEGO ST DULUTH MN 558041651, DULUTH, MN 55804-1651 |
| Document Number | A1370247 |
|---|---|
| Date | Dec 26, 2019 |
| Instrument | A1370247 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Dec 25, 2049 |
| Document Number | A1370248, |
|---|---|
| Date | Dec 26, 2019 |
| Instrument | A1370248 |
| Name | CARDINAL FIN'L |
|---|---|
| Type | Funding / Finance Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Dec 25, 2029 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,590.00 (+7.29%) Homeowner's exemption | ||
| 2025 | $4,278.00 (+2.25%) Homeowner's exemption | $348,000 (+6.49%) Land $47,800 Building $300,200 | $348,000 (+6.49%) Land $47,800 Building $300,200 |
| 2024 | $4,184.00 | $326,800 (+17.05%) Land $46,200 Building $280,600 | $326,800 (+17.05%) Land $46,200 Building $280,600 |
| 2022 | $279,200 Land $35,500 Building $243,700 | $279,200 Land $35,500 Building $243,700 |
Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370002002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 507 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| AT&T | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.
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