5310 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5310 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,268 sqft · built 1939
Lot Size	0.241 acres (10,500 sqft)
Owner	Individual Name on Record
Last Sale	$3,000 (Jul 2021)
Tax Bill	$3,404 (2026)
Deeds & Mortgages	Jul 2021 Transfer Jun 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3080-02200`

Property Details

APN / Parcel Number

Primary APN	`010-3080-02200`
Alternative APN	`1111915`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,268 sqft Gross Area
1st Floor Area	862 sqft
Basement Area	436 sqft
Finished Basement	436 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	10,500 sqft (0.241 acres)
Garage Area	768 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	77 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1111915
Street Address	5310 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	ELY 1/2 OF LOT 2 AND ALL OF LOT 3 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	9
Legal Lot Number	2-3
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2017
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	5310 OTSEGO ST, DULUTH, MN 55804-1656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2021	Intrafamily Transfer, Transfer
Jun 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Jul 10, 2017	Deed of Trust, Mortgage · Line of Credit US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2021 · Amount on Record
Deed Sale	Jul 1, 2021 · Amount on Record
Prior Sale	Aug 27, 2008 · Amount on Record
Deed Document Number	20211043074
Prior Transfer Date	Jun 28, 2021
Prior Transfer Doc	0001043074
Record Updated	Sep 20, 2026

July 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jul 1, 2021
Property Address	5310 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	0001043074
Instrument Date	Jun 28, 2021
Instrument	1043074
Transaction Type	Transfer
Record Updated	Jul 28, 2021

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
Address	5310 OTSEGO ST, DULUTH, MN 55804-1656

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5310 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	00T1025030
Instrument Date	Jun 18, 2020
Transaction Type	Mortgage
Record Updated	Aug 6, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5310 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

Mortgage

Document Number	00T1025030
Date	Jun 25, 2020
Instrument	T1025030

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 24, 2035

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5310 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	000T987712
Instrument Date	Jul 10, 2017
Transaction Type	Mortgage
Record Updated	Aug 8, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	5310 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

Mortgage

Document Number	000T987712
Date	Jul 26, 2017
Instrument	T987712

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jul 25, 2047

Interest

Rate Type	Adjustable Rate

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	$3,404.00 (+6.98%) Homeowner's exemption
2025	$3,182.00 (-3.52%) Homeowner's exemption	$267,900 (+6.14%) Land $57,400 Building $210,500	$267,900 (+6.14%) Land $57,400 Building $210,500
2024	$3,298.00	$252,400 (+11.68%) Land $55,400 Building $197,000	$252,400 (+11.68%) Land $55,400 Building $197,000
2022		$226,000 Land $42,600 Building $183,400	$226,000 Land $42,600 Building $183,400

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
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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