5215 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5215 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 823 sqft · built 1928
Lot Size	0.16 acres (7,000 sqft)
Owner	Company Name on Record
Last Sale	$164,000 (Dec 2020)
Tax Bill	$3,382 (2026)
Deeds & Mortgages	Feb 2024 Transfer Apr 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01560`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01560`
Alternative APNs	`1101971` `1162085`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	823 sqft Gross Area
1st Floor Area	823 sqft

Exterior

Year Built	Built 1928
Effective Year Built	Effective 1928
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	264 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Patio
Porch Area	168 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1162085
Street Address	5215 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 24 AND 25 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	5
Legal Lot Number	24-25
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2015
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	Company Name on Record
Mailing Address	5215 OTSEGO ST, DULUTH, MN 55804-1655
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Living Trust

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2024	Intrafamily Transfer, Transfer
Apr 2, 2021	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Dec 17, 2020	Warranty Deed, Transfer NORTH SHORE TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 17, 2020 · Amount on Record
Deed Sale	Dec 17, 2020 · Amount on Record
Deed Document Number	20201398812
Last Transfer Date	Feb 2, 2024
Transfer Doc	0001482761
Record Updated	Sep 20, 2026

February 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Feb 7, 2024
Property Address	5215 OTSEGO ST, DULUTH, MN 55804-1655
Document Number	0001482761
Instrument Date	Feb 2, 2024
Instrument	1482761
Transaction Type	Transfer
Record Updated	Feb 22, 2024

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	Living Trust
Address	5215 OTSEGO ST, DULUTH, MN 55804-1655

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5215 OTSEGO ST, DULUTH, MN 55804-1655
Transaction Type	Mortgage
Record Updated	Apr 29, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001409091
Date	Apr 2, 2021
Instrument	1409091

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 1, 2036

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 17, 2020
Property Address	5215 OTSEGO ST, DULUTH, MN 55804-1655
Document Number	00A1398812
Instrument Date	Dec 3, 2020
Instrument	A1398812
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Tax	$541.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5215 OTSEGO ST DULUTH MN 558041655, DULUTH, MN 55804-1655

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	$3,382.00 (+7.23%) Homeowner's exemption
2025	$3,154.00 (+10.13%) Homeowner's exemption	$266,300 (+6.26%) Land $47,800 Building $218,500	$266,300 (+6.26%) Land $47,800 Building $218,500
2024		$250,600 (+21.18%) Land $46,200 Building $204,400	$250,600 (+21.18%) Land $46,200 Building $204,400
2023	$2,864.00 Homeowner's exemption
2022		$206,800 Land $35,500 Building $171,300	$206,800 Land $35,500 Building $171,300

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 612 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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