St. Louis County property record for 5098 Otter River Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 926 sqft · built 1975 |
| Lot Size | 4.01 acres (174,859 sqft) |
| Owner | Individual Name on File |
| Last Sale | $113,463 (Aug 2024) |
| Tax Bill | $3,584 (2026) |
| Deeds & Mortgages | Aug 2024 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 660-6000-41125 |
| Primary APN | 660-6000-41125 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 926 sqft Gross Area |
| 1st Floor Area | 824 sqft |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Rustic |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Foundation Type | Pier/Post & Beam |
| Lot Area | 174,859 sqft |
| Garage Area | 2,100 sqft |
| Porch | Slab |
|---|---|
| Deck Area | 40 sqft |
| Storage Building | 120 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating Fuel | Propane |
| Account Number | 1169516 |
|---|---|
| Street Address | 5098 OTTER RIVER RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9223 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 10, BLOCK 1 SERIAL # |
| Legal Subdivision | OTTER COVE |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 1 |
| Census Block | 1113 |
| Census Tract | 11402 |
5098 Otter River Rd is owned by an individual who bought it in August 2024.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 14527 64TH AVE N, MAPLE GROVE, MN 55311-4109 |
| 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 | Aug 6, 2024 · Amount on File |
| Deed Sale | Aug 6, 2024 · Amount on File |
| Deed Document Number | 20241492893 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 6, 2024 |
| Property Address | 5098 OTTER RIVER RD, DULUTH, MN 55803-9223 |
| Document Number | 0001492893 |
| Instrument Date | Jul 24, 2024 |
| Instrument | 1492893 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $374.43 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 14527 64TH AVE N, MAPLE GROVE, MN 55311-4109 |
| Document Number | 0001492895 |
|---|---|
| Date | Aug 6, 2024 |
| Instrument | 1492895 |
| Name | NORTH SHORE BANK OF COMMERCE |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Aug 1, 2036 |
The 2026 property tax bill for 5098 Otter River Rd was $3,584, up 33.1% 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 | $3,584.00 (+33.14%) | ||
| 2025 | $2,692.00 (+1.74%) | $327,000 (+12.91%) Land $110,400 Building $216,600 | $327,000 (+12.91%) Land $110,400 Building $216,600 |
| 2024 | $2,646.00 | $289,600 Land $141,700 Building $147,900 | $289,600 Land $141,700 Building $147,900 |
| 2022 | $273,400 Land $134,200 Building $139,200 | $273,400 Land $134,200 Building $139,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5098 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 5098 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 11 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
5G (outdoors only) and 4G LTE
Search by:
By searching, you agree to: Terms • Privacy • Disclosures