5314 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5314 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,657 sqft · built 1940
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$293,000 (Dec 2020)
Tax Bill	$5,028 (2026)
Deeds & Mortgages	Dec 2020 Sale Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3080-02220`

Property Details

APN / Parcel Number

Primary APN	`010-3080-02220`
Alternative APN	`1102221`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,657 sqft Gross Area
1st Floor Area	1,189 sqft
Basement Area	896 sqft
Finished Basement	896 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1102221
Street Address	5314 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0004 BLOCK:009 SERIAL #
Legal Subdivision	ALTERED LONDON PARK ADD TO DUL
Legal Block	9
Legal Lot Number	4
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	5314 OTSEGO ST, DULUTH, MN 55804-1656
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2020	Warranty Deed, Transfer ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO
Mar 4, 2017	Deed of Trust, Mortgage · Conventional with PMI LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2020 · Amount on Record
Deed Sale	Dec 23, 2020 · Amount on Record
Prior Sale	Aug 11, 2008 · Amount on Record
Deed Document Number	20201034128
Prior Transfer Date	Aug 15, 2002
Prior Transfer Doc	0000732133
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 23, 2020
Property Address	5314 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	00T1034128
Instrument Date	Dec 11, 2020
Instrument	T1034128
Transaction Type	Transfer
Record Updated	Jan 11, 2021
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Tax	$967.00
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	5314 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5314 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	000T983032
Instrument Date	Mar 4, 2017
Transaction Type	Mortgage
Record Updated	Apr 4, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5314 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

Mortgage

Document Number	000T983032
Date	Mar 15, 2017
Instrument	T983032

Lender

Name	LOANDEPOT.COM LLC
Type	Funding / Finance Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 14, 2047

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	$5,028.00 (+16.55%) Homeowner's exemption
2025	$4,314.00 (+3.11%) Homeowner's exemption	$377,200 (+14.58%) Land $47,800 Building $329,400	$377,200 (+14.58%) Land $47,800 Building $329,400
2024	$4,184.00	$329,200 (+17.82%) Land $46,200 Building $283,000	$329,200 (+17.82%) Land $46,200 Building $283,000
2022		$279,400 Land $35,500 Building $243,900	$279,400 Land $35,500 Building $243,900

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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