5132 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5132 Otsego St, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.75 ba · 2,102 sqft · built 1911
Lot Size	0.16 acres (7,000 sqft)
Owner	Company Name on File
Last Sale	$3,000 (Feb 2021)
Tax Bill	$7,508 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Apr 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01960`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01960`
Alternative APN	`1083016`

Interior

Bedrooms	3 Beds
Full Baths	2.75 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	2,102 sqft Gross Area
1st Floor Area	1,111 sqft

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	432 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	36 sqft
Deck Area	66 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1083016
Street Address	5132 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0006 BLOCK:007 SERIAL #
Legal Subdivision	LONDON PARK ADDITION
Legal Block	7
Legal Lot Number	6
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2021
Census Tract	200

Owner

Source: St. Louis County records · APN 010-3080-01960

Assessment roll updated August 17, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on File
Mailing Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Intrafamily Transfer, Transfer · VA Mortgage LOW VA RATES LLC
Apr 09, 2020	Deed of Trust, Mortgage · Conventional Mortgage NAVY FCU
Dec 20, 2019	Quit Claim Deed, Mortgage NAVY FCU
Aug 03, 2018	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BK
Jan 17, 2018	Trustee's Deed, Construction Loan · Line of Credit WESTERN NAT'L BK
Dec 21, 2017	Grant Deed, Construction Loan · Line of Credit WESTERN NAT'L BK
Jan 04, 2017	Trustee's Deed, Foreclosure METRO LEGAL SERVICES, METRO LEGAL

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 22, 2021 · Amount on Record
Deed Sale	Feb 22, 2021 · Amount on Record
Prior Sale	Dec 20, 2019
Deed Document Number	20211404624
Prior Transfer Date	Jan 14, 2021
Prior Transfer Doc	0001404624
Record Updated	Sep 20, 2026

February 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Feb 22, 2021
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	0001404624
Instrument Date	Jan 14, 2021
Instrument	1404624
Transaction Type	Transfer
Record Updated	Jun 07, 2023
Title Company	ELEVATED TITLE LLC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Family Trust
Address	5132 OTSEGO ST, DULUTH, MN 55804-1652

Mortgage

Document Number	0001404626
Date	Feb 22, 2021
Instrument	1404626

Lender

Name	LOW VA RATES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 01, 2051

April 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	00A1381896
Instrument Date	Apr 09, 2020
Transaction Type	Mortgage
Record Updated	Jun 26, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5132 OTSEGO ST DULUTH MN 558041652, DULUTH, MN 55804-1652
Investor	Possibly a Property Investor

Mortgage

Document Number	00A1381896
Date	Jun 09, 2020
Instrument	A1381896

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jun 08, 2030

December 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 20, 2019
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	00A1369991
Instrument Date	Dec 13, 2019
Instrument	A1369991
Transaction Type	Mortgage
Record Updated	Jan 07, 2020
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	5132 OTSEGO ST DULUTH MN 558041652, DULUTH, MN 55804-1652
Investor	Possibly a Property Investor

Mortgage

Document Number	A1369993
Date	Dec 20, 2019
Instrument	A1369993

Lender

Name	NAVY FCU
Type	Credit Union
Address	VIENNA, VA 22180

Agreement

Amount	Amount Recorded
Term	240 Months
Due	Dec 19, 2039

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 03, 2018
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	00A1337879
Instrument Date	Jul 31, 2018
Instrument	A1337879
Transaction Type	Transfer
Record Updated	Aug 15, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$923.67
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5132 OTSEGO ST DULUTH MN 558041652, DULUTH, MN 55804-1652

Mortgage

Document Number	A1337882
Date	Aug 03, 2018
Instrument	A1337882

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 02, 2048

January 2018: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 17, 2018
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Instrument Date	Dec 11, 2017
Instrument	A1326025
Transaction Type	Construction Loan
Record Updated	Jan 11, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2617 E 3RD ST DULUTH MN 558121944, DULUTH, MN 55812-1944

Mortgage

Document Number	00A1326025
Date	Jan 17, 2018
Instrument	A1326025

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55816-0050

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Jan 16, 2019

Interest

Rate Type	Adjustable Rate

December 2017: Grant Deed, Construction Loan

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 21, 2017
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	00A1324618
Instrument Date	Dec 06, 2017
Instrument	A1324618
Transaction Type	Construction Loan
Record Updated	Aug 29, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$363.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2617 E 3RD ST DULUTH MN 558121944, DULUTH, MN 55812-1944

Mortgage

Document Number	A1324619
Date	Dec 21, 2017
Instrument	A1324619

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55816-0050

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Dec 20, 2018

Interest

Rate Type	Adjustable Rate

January 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 04, 2017
Property Address	5132 OTSEGO ST, DULUTH, MN 55804-1652
Document Number	00A1301529
Instrument Date	Jan 04, 2017
Instrument	A1301529
Transaction Type	Foreclosure
Record Updated	Jan 17, 2017
Title Company	METRO LEGAL SERVICES, METRO LEGAL

Transaction

Amount	Amount Recorded
Tax	$326.76
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5132 OTSEGO ST DULUTH MN 558041652, DULUTH, MN 55804-1652

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,508.00 (+8.22%) Homeowner's exemption
2025	$6,938.00 (+3.99%) Homeowner's exemption	$539,800 (+6.66%) Land $47,700 Building $492,100	$539,800 (+6.66%) Land $47,700 Building $492,100
2024	$6,672.00	$506,100 (+16.8%) Land $46,000 Building $460,100	$506,100 (+16.8%) Land $46,000 Building $460,100
2022		$433,300 Land $35,400 Building $397,900	$433,300 Land $35,400 Building $397,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370002002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 2 individual NFIP policies nearby
Nearby Flood Policies	2 in force 2 of 2 on primary residences

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

5132 Otsego St, Duluth, MN 55804 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Exterior Amenities

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

February 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

April 2020: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

December 2019: Quit Claim Deed, Mortgage

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

August 2018: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

January 2018: Trustee's Deed, Construction Loan

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

December 2017: Grant Deed, Construction Loan

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

January 2017: Trustee's Deed, Foreclosure

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Nearby Properties on Otsego St

Nearby Streets

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