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5040 Otter River Rd, Duluth, MN 55803 Property Records

St. Louis County property record for 5040 Otter River Rd, Duluth, MN 55803

Property Summary

Property TypeSeasonal / Vacation Home
Details2 bd · 1 ba · 672 sqft · built 1980
Lot Size3.34 acres (145,654 sqft)
OwnerIndividual Name on Record
Last Sale$49,296 (Jun 2024)
Tax Bill$1,870 (2026)
Deeds & MortgagesJun 2024 Transfer
Jun 2024 Sale
Flood ZoneZone X (minimal risk)
APN660-0150-00270

Property Details

APN / Parcel Number

Primary APN660-0150-00270
Alternative APN
  • 1172285

Interior

Bedrooms2 Beds
Full Baths1 Bath
Total Rooms2 Rooms
Stories1 Story
Building Area672 sqft Gross Area
1st Floor Area672 sqft

Exterior

Year BuiltBuilt 1980
Effective Year BuiltEffective 1983
Architectural StyleRustic
Exterior MaterialWood
Construction TypeFrame
Foundation TypeSlab (Mat/Raft)
Lot Area145,654 sqft
PorchPatio
Porch Area144 sqft
Storage Building256 sqft

Utilities, Heating & Cooling

Heating FuelGas

Location & Zoning

Account Number1172285
Street Address5040 OTTER RIVER RD
CityDULUTH
StateMN
Zip55803-9223
Property CategoryResidential
Property TypeResidential > Specialized > Seasonal / Vacation Home
Legal DescriptionLOT 27, BLOCK 1 SERIAL #
Legal SubdivisionOTTER COVE
Legal Block1
Legal Lot Number27
JurisdictionST LOUIS MN
Township / Civil DivisionWHITEFACE RESERVOIR
Census Block Group1
Census Block1114
Census Tract11402

Owner

Source: St. Louis County records, as of October 20, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address5040 OTTER RIVER RD, DULUTH, MN 55803-9223
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 3, 2024Quit Claim Deed, Transfer
THE TITLE FIRM, THE TITLE TEAM
Jun 3, 2024Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 3, 2024 · Amount on Record
Deed SaleJun 3, 2024 · Amount on Record
Deed Document Number20241489088
Prior Transfer DateMay 29, 2024
Prior Transfer Doc0001489089
Record UpdatedOct 29, 2026

June 2024: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionST LOUIS MN
Recording DateJun 3, 2024
Property Address5040 OTTER RIVER RD, DULUTH, MN 55803
Document Number0001489089
Instrument DateMay 29, 2024
Instrument1489089
Transaction TypeTransfer
Record UpdatedOct 24, 2025
Title CompanyTHE TITLE FIRM, THE TITLE TEAM

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address5038 OTTER RIVER RD, DULUTH, MN 55803-9223

June 2024: Limited Warranty Deed, Transfer

Document TypeLimited Warranty Deed
JurisdictionST LOUIS MN
Recording DateJun 3, 2024
Property Address5040 OTTER RIVER RD, DULUTH, MN 55803
Document Number0001489088
Instrument DateMay 28, 2024
Instrument1489088
Transaction TypeTransfer
Record UpdatedOct 24, 2025

Transaction

AmountAmount Recorded
Tax$162.68
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address5038 OTTER RIVER RD, DULUTH, MN 55803-9223

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
Unified School DistrictSt. Louis County School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$1,870.00
2025$210,300 (+39.09%) Land $125,000 Building $85,300$210,300 (+39.09%) Land $125,000 Building $85,300
2024$151,200 Land $78,500 Building $72,700$151,200 Land $78,500 Building $72,700

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone A, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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 RiskLow
lower than 95% of the US · lower than 84% of Minnesota
Wildfire LikelihoodUnder 0.01% annual chance
ExposureNone
beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Starlink
Satellite		280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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