5322 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5322 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 998 sqft · built 1940
Lot Size	0.16 acres (7,000 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Oct 2025)
Tax Bill	$3,198 (2026)
Deeds & Mortgages	Oct 2025 Sale Sep 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3080-02240`

Property Details

APN / Parcel Number

Primary APN	`010-3080-02240`
Alternative APNs	`1190172` `961514`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	998 sqft Gross Area
1st Floor Area	998 sqft
Basement Area	853 sqft
Finished Basement	853 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1940
Effective Year Built	Effective 1940
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Hip
Lot Area	7,000 sqft (0.16 acres)
Garage Area	420 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	136 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1190172
Street Address	5322 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1656
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0006 BLOCK:009 SERIAL #
Legal Subdivision	LONDON PARK ADDITION
Legal Block	9
Legal Lot Number	6
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	2 Individual Names on Record
Mailing Address	5322 OTSEGO ST, DULUTH, MN 55804-1656
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 27, 2025	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
Sep 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FIN'L
Aug 16, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
Aug 1, 2019	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 27, 2025 · Amount on Record
Deed Sale	Oct 27, 2025 · Amount on Record
Prior Sale	Jan 16, 2013
Deed Document Number	20251095567
Prior Transfer Date	Jun 2, 2004
Prior Transfer Doc	0000780388
Record Updated	Sep 20, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 27, 2025
Property Address	5322 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	0001095567
Instrument Date	Oct 13, 2025
Instrument	1095567
Transaction Type	Transfer
Record Updated	Nov 12, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Tax	$1,353.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5322 OTSEGO ST, DULUTH, MN 55804-1656

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5322 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	00T1029639
Instrument Date	Sep 15, 2020
Transaction Type	Mortgage
Record Updated	Oct 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

Mortgage

Document Number	00T1029639
Date	Sep 29, 2020
Instrument	T1029639

Lender

Name	CARDINAL FIN'L
Type	Funding / Finance Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Sep 28, 2035

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5322 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	00T1014204
Instrument Date	Aug 16, 2019
Transaction Type	Mortgage
Record Updated	Nov 26, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

Mortgage

Document Number	00T1014204
Date	Aug 26, 2019
Instrument	T1014204

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

Interest

Rate Type	Adjustable Rate

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5322 OTSEGO ST, DULUTH, MN 55804-1656
Document Number	00A1014204
Instrument Date	Aug 1, 2019
Transaction Type	Mortgage
Record Updated	Sep 10, 2019
Title Company	TITLE 365

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5322 OTSEGO ST DULUTH MN 558041656, DULUTH, MN 55804-1656

Mortgage

Document Number	00A1014204
Date	Aug 26, 2019
Instrument	A1014204

Lender

Name	WELLS FARGO BK
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Aug 25, 2049

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	$3,198.00 (+7.24%) Homeowner's exemption
2025	$2,982.00 (+0.74%) Homeowner's exemption	$297,700 (+24.61%) Land $47,800 Building $249,900	$297,700 (+24.61%) Land $47,800 Building $249,900
2024	$2,960.00	$238,900 (+16.25%) Land $46,200 Building $192,700	$238,900 (+16.25%) Land $46,200 Building $192,700
2022		$205,500 Land $35,500 Building $170,000	$205,500 Land $35,500 Building $170,000

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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