5305 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5305 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,422 sqft · built 1948
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$169,900 (Jan 2019)
Tax Bill	$3,978 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3080-01290`

Property Details

APN / Parcel Number

Primary APN	`010-3080-01290`
Alternative APN	`1065031`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,422 sqft Gross Area
1st Floor Area	1,032 sqft
Basement Area	756 sqft
Finished Basement	756 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Type	Mixed
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1065031
Street Address	5305 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 33 AND 34 SERIAL #
Legal Subdivision	ALTERED PLAT OF LONDON PARK
Legal Block	4
Legal Lot Number	33-34
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2014
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	5305 OTSEGO ST, DULUTH, MN 55804-1657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 20, 2020	Deed of Trust, Mortgage · FHA Mortgage REGENT FIN'L
Jan 15, 2019	Warranty Deed, Transfer · Conventional with PMI REGENT FIN'L

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 15, 2019 · Amount on Record
Deed Sale	Jan 15, 2019 · Amount on Record
Deed Document Number	20191006941
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5305 OTSEGO ST, DULUTH, MN 55804-1657
Document Number	00T1021855
Instrument Date	Mar 20, 2020
Transaction Type	Mortgage
Record Updated	Jul 14, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5305 OTSEGO ST DULUTH MN 558041657, DULUTH, MN 55804-1657

Mortgage

Document Number	00T1021855
Date	Mar 30, 2020
Instrument	T1021855

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 29, 2050

January 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 15, 2019
Property Address	5305 OTSEGO ST, DULUTH, MN 55804-1657
Document Number	00T1006941
Instrument Date	Jan 11, 2019
Instrument	T1006941
Transaction Type	Transfer
Record Updated	Mar 12, 2019
Title Company	STEWART TITLE, STEWART TITLE GRP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.67
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5305 OTSEGO ST DULUTH MN 558041657, DULUTH, MN 55804-1657

Mortgage

Document Number	1006942
Date	Jan 15, 2019
Instrument	1006942

Lender

Name	REGENT FIN'L
Type	Funding / Finance Company
Address	OMAHA, NE 68124

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 14, 2049

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	$3,978.00 (+6.71%)
2025	$3,728.00 (-0.27%)	$288,200 (+6.31%) Land $47,700 Building $240,500	$288,200 (+6.31%) Land $47,700 Building $240,500
2024	$3,738.00	$271,100 (+11.89%) Land $46,000 Building $225,100	$271,100 (+11.89%) Land $46,000 Building $225,100
2022		$242,300 Land $35,400 Building $206,900	$242,300 Land $35,400 Building $206,900

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
Nearest Special Flood Hazard Area	Zone AE, 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

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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