5117 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5117 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 1,606 sqft · built 1987
Lot Size	0.289 acres (12,600 sqft)
Owner	2 Individual Names on File
Last Sale	$265,000 (Jun 2006)
Tax Bill	$6,256 (2026)
Deeds & Mortgages	Dec 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01840`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01840`
Alternative APN	`945495`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,606 sqft Gross Area
1st Floor Area	1,223 sqft
Basement Area	734 sqft
Finished Basement	734 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Architectural Style	Custom Design
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	12,600 sqft (0.289 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	275 sqft
Deck Area	28 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	945495
Street Address	5117 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 18 EX ELY 10 FT, AND LOTS 19 THRU21 SERIAL #
Legal Subdivision	LONDON PARK ADDITION
Legal Block	6
Legal Lot Number	18-21
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2010
Census Tract	200

Owner

5117 Otsego St is owned and occupied by two individuals who acquired it in January 2013.

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

Owner of Record	2 Individual Names on File
Mailing Address	5117 OTSEGO ST, DULUTH, MN 55804-1653
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 28, 2006 · Amount on File
Deed Sale	Jun 28, 2006 · Amount on File
Deed Document Number	20061022141
Last Transfer Date	Jan 12, 2013
Transfer Doc	0001206345
Record Updated	Sep 20, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5117 OTSEGO ST, DULUTH, MN 55804-1653
Transaction Type	Mortgage
Record Updated	Jan 22, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5117 OTSEGO ST, DULUTH, MN 55804-1653

Mortgage

Document Number	0001480670
Date	Dec 28, 2023
Instrument	1480670

Lender

Name	ROYAL UNITED MORTGAGE LLC
Type	Mortgage Company
Address	INDIANAPOLIS, IN 46250

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	169 Months
Due	Jan 1, 2038

Tax Assessment & Valuation

The 2026 property tax bill for 5117 Otsego St was $6,256 with a homeowner's exemption.

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	$6,256.00 Homeowner's exemption
2025		$460,100 (+6.36%) Land $63,200 Building $396,900	$460,100 (+6.36%) Land $63,200 Building $396,900
2024	$5,838.00	$432,600 Land $61,000 Building $371,600	$432,600 Land $61,000 Building $371,600
2022		$346,300 Land $46,900 Building $299,400	$346,300 Land $46,900 Building $299,400

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

Flood

FEMA maps place 5117 Otsego St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 5117 Otsego St 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	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.

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