St. Louis County property record for 5178 Otter River Rd, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,696 sqft · built 1995 |
| Lot Size | 5.15 acres (224,474 sqft) |
| Owner | Company Name on File |
| Last Sale | $124,487 (Jan 2025) |
| Tax Bill | $3,426 (2026) |
| Deeds & Mortgages | Jan 2025 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 660-6000-43110 |
| Primary APN | 660-6000-43110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,696 sqft Gross Area |
| 1st Floor Area | 1,184 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1995 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Lot Area | 224,474 sqft |
| Garage Area | 1,728 sqft |
| Deck Area | Deck Area |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1178096 |
|---|---|
| Street Address | 5178 OTTER RIVER RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9394 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1, BLOCK 1 SERIAL # |
| Legal Subdivision | OTTER COVE |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 1 |
| Census Block | 1113 |
| Census Tract | 11402 |
5178 Otter River Rd is owned by a company that bought it in January 2025 and is owner-occupied.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 5178 OTTER RIVER RD, DULUTH, MN 55803-9394 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
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 | Jan 17, 2025 · Amount on File |
| Deed Sale | Jan 17, 2025 · Amount on File |
| Deed Document Number | 20251503684 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jan 17, 2025 |
| Property Address | 5178 OTTER RIVER RD, DULUTH, MN 55803-9394 |
| Document Number | 0001503684 |
| Instrument Date | Jan 7, 2025 |
| Instrument | 1503684 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $410.81 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5178 OTTER RIVER RD, DULUTH, MN 55803-9394 |
The 2026 property tax bill for 5178 Otter River Rd was $3,426 with a homeowner's exemption, up 12,135.7% 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 | $3,426.00 (+12,135.71%) Homeowner's exemption | ||
| 2025 | $28.00 (-99.19%) | $543,400 (+181,033.33%) Land $171,300 Building $372,100 | $543,400 (+181,033.33%) Land $171,300 Building $372,100 |
| 2024 | $3,444.00 | $300 Land $300 | $300 Land $300 |
| 2022 | $390,800 Land $137,900 Building $252,900 | $390,800 Land $137,900 Building $252,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 5178 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 5178 Otter River Rd is low, with less than 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 94% of the US · lower than 80% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Direct burnable vegetation |
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 |
4G LTE (outdoors only), no 5G reported
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