5131 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5131 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.25 ba · 1,612 sqft · built 1950
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$356,000 (Jul 2022)
Tax Bill	$4,964 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Sep 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01790`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01790`
Alternative APN	`1133003`

Interior

Bedrooms	2 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,612 sqft Gross Area
1st Floor Area	1,092 sqft
Basement Area	242 sqft
Finished Basement	50 sqft
Unfinished Basement	192 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Lot Area	10,500 sqft (0.241 acres)
Garage Area	720 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	192 sqft
Storage Building	72 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1133003
Street Address	5131 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1653
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 13 14 AND 15 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	6
Legal Lot Number	13-14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2010
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	5131 OTSEGO ST, DULUTH, MN 55804-1653
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 7, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Sep 6, 2018	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 7, 2022 · Amount on Record
Deed Sale	Jul 7, 2022 · Amount on Record
Prior Sale	Sep 6, 2018 · Amount on Record
Deed Document Number	20221446956
Prior Transfer Date	Oct 3, 2002
Prior Transfer Doc	0000875230
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 7, 2022
Property Address	5131 OTSEGO ST, DULUTH, MN 55804-1653
Document Number	0001446956
Instrument Date	Jun 28, 2022
Instrument	1446956
Transaction Type	Transfer
Record Updated	Aug 30, 2022
Title Company	NOT AVAILABLE, TITLE TEAM NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,174.80
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	5131 OTSEGO ST, DULUTH, MN 55804-1653

Mortgage

Document Number	0001446957
Date	Jul 7, 2022
Instrument	1446957

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 6, 2018
Property Address	5131 OTSEGO ST, DULUTH, MN 55804-1653
Document Number	0001340111
Instrument Date	Aug 31, 2018
Instrument	1340111
Transaction Type	Transfer
Record Updated	Sep 3, 2021
Title Company	FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
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	5131 OTSEGO ST, DULUTH, MN 55804-1653

Mortgage

Document Number	0001340112
Date	Sep 6, 2018
Instrument	1340112

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2048

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	$4,964.00 (+7.17%) Homeowner's exemption
2025	$4,632.00 (-4.14%) Homeowner's exemption	$373,000 (+6.3%) Land $57,300 Building $315,700	$373,000 (+6.3%) Land $57,300 Building $315,700
2024	$4,832.00	$350,900 (+19.39%) Land $55,300 Building $295,600	$350,900 (+19.39%) Land $55,300 Building $295,600
2022		$293,900 Land $42,500 Building $251,400	$293,900 Land $42,500 Building $251,400

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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