5120 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5120 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,346 sqft · built 1910
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$262,100 (Nov 2021)
Tax Bill	$4,342 (2026)
Deeds & Mortgages	Nov 2021 Sale & Mortgage Dec 2017 Transfer
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01930`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01930`
Alternative APN	`1120729`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,346 sqft Gross Area
1st Floor Area	880 sqft
Basement Area	50 sqft
Finished Basement	50 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	244 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1120729
Street Address	5120 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0003 BLOCK:007 SERIAL #
Legal Subdivision	LONDON PARK ADDITION
Legal Block	7
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2021
Census Tract	200

Owner

Source: St. Louis County records, as of August 17, 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 Record
Mailing Address	5120 OTSEGO ST, DULUTH, MN 55804-1652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 12, 2021	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Dec 1, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2021 · Amount on Record
Deed Sale	Nov 12, 2021 · Amount on Record
Prior Sale	Apr 29, 2008 · Amount on Record
Deed Document Number	20211429825
Prior Transfer Date	Dec 1, 2017
Prior Transfer Doc	00A1323403
Record Updated	Sep 20, 2026

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 12, 2021
Property Address	5120 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	0001429825
Instrument Date	Nov 5, 2021
Instrument	1429825
Transaction Type	Transfer
Record Updated	Jan 18, 2022
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$864.93
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5120 OTSEGO ST, DULUTH, MN 55804-1652

Mortgage

Document Number	0001429826
Date	Nov 12, 2021
Instrument	1429826

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2051

December 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 1, 2017
Property Address	5120 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	00A1323403
Instrument Date	Dec 1, 2017
Instrument	A1323403
Transaction Type	Transfer
Record Updated	Jan 3, 2018

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5120 OTSEGO ST DULUTH MN 558041652, DULUTH, MN 55804-1652

Tax Assessment & Valuation

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	$4,342.00 (+7.26%) Homeowner's exemption
2025	$4,048.00 (+0.45%) Homeowner's exemption	$331,100 (+6.39%) Land $47,800 Building $283,300	$331,100 (+6.39%) Land $47,800 Building $283,300
2024	$4,030.00	$311,200 (+15.17%) Land $46,200 Building $265,000	$311,200 (+15.17%) Land $46,200 Building $265,000
2022		$270,200 Land $35,500 Building $234,700	$270,200 Land $35,500 Building $234,700

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 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

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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