St. Louis County property record for 5094 Otter River Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,436 sqft · built 1994 |
| Lot Size | 3.95 acres (172,372 sqft) |
| Owner | Individual Name on File |
| Last Sale | $100,151 (Jun 2024) |
| Tax Bill | $3,590 (2026) |
| Deeds & Mortgages | Jun 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 660-6000-41115 |
| Primary APN | 660-6000-41115 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,436 sqft Gross Area |
| 1st Floor Area | 1,436 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 172,372 sqft |
| Garage Area | 720 sqft |
| Deck Area | 200 sqft |
| Storage Building | 49 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1167732 |
|---|---|
| Street Address | 5094 OTTER RIVER RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 12, BLOCK 1 SERIAL # |
| Legal Subdivision | OTTER COVE |
| Legal Block | 1 |
| Legal Lot Number | 12 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 1 |
| Census Block | 1113 |
| Census Tract | 11402 |
5094 Otter River Rd is owned by an individual who bought it in June 2024.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 437 HARTLEY PL, DULUTH, MN 55803-2473 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 25, 2024 · Amount on File |
| Deed Sale | Jun 25, 2024 · Amount on File |
| Deed Document Number | 20241490340 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 25, 2024 |
| Property Address | 5094 OTTER RIVER RD, DULUTH, MN 55803-9223 |
| Document Number | 0001490340 |
| Instrument Date | Jun 6, 2024 |
| Instrument | 1490340 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $330.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 417 HARTLEY PL, DULUTH, MN 55803-2473 |
The 2026 property tax bill for 5094 Otter River Rd was $3,590, up 21.4% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,590.00 (+21.45%) | ||
| 2025 | $2,956.00 (+1.79%) | $419,600 (+31.91%) Land $144,100 Building $275,500 | $419,600 (+31.91%) Land $144,100 Building $275,500 |
| 2024 | $2,904.00 | $318,100 Land $104,400 Building $213,700 | $318,100 Land $104,400 Building $213,700 |
| 2022 | $301,900 Land $98,800 Building $203,100 | $301,900 Land $98,800 Building $203,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5094 Otter River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone A, within 500 ft |
| 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 risk around 5094 Otter River Rd is low, with a 0.01% annual chance of 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 26 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
5G (outdoors only) and 4G LTE
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