St. Louis County property record for 5396 Otter River Rd, Duluth, MN 55803
| Property Type | Residential Multi-Family (5+ Units) |
|---|---|
| Details | 2 bd · 1.75 ba · 1,660 sqft · built 2015 |
| Lot Size | 2.94 acres (128,194 sqft) |
| Owner | Individual Name on File |
| Last Sale | $122,927 (Aug 2024) |
| Tax Bill | $3,854 (2026) |
| Deeds & Mortgages | Aug 2024 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 660-6000-53505 |
| Primary APN | 660-6000-53505 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 1,660 sqft Gross Area |
| 1st Floor Area | 192 sqft |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 128,194 sqft |
| Garage Area | 864 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 252 sqft |
| Cabin | 225 sqft |
| Sauna | Sauna |
| Total Buildings | 2 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Propane |
| Account Number | 1170515 |
|---|---|
| Street Address | 5396 OTTER RIVER RD |
| City | DULUTH |
| State | MN |
| Zip | 55803-9207 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Residential Multi-Family (5+ Units) |
| Legal Description | LOT 14, BLOCK 3 SERIAL # |
| Legal Subdivision | WEST ISLAND SHORES |
| Legal Block | 3 |
| Legal Lot Number | 14 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | WHITEFACE RESERVOIR |
| Census Block Group | 1 |
| Census Block | 1114 |
| Census Tract | 11402 |
5396 Otter River Rd, a residential property, is owned and occupied by an individual who bought it in August 2024.
Source: St. Louis County records, as of October 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5396 OTTER RIVER RD, DULUTH, MN 55803-9207 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2024 · Amount on File |
| Deed Sale | Aug 22, 2024 · Amount on File |
| Deed Document Number | 20241494103 |
| Record Updated | Oct 29, 2026 |
| Document Type | Limited Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 22, 2024 |
| Property Address | 5396 OTTER RIVER RD, DULUTH, MN 55803-9207 |
| Document Number | 0001494103 |
| Instrument Date | Aug 8, 2024 |
| Instrument | 1494103 |
| Transaction Type | Transfer |
| Record Updated | Oct 21, 2025 |
| Amount | Amount on Record |
|---|---|
| Tax | $405.66 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5396 OTTER RIVER RD, DULUTH, MN 55803-9207 |
The 2026 property tax bill for 5396 Otter River Rd was $3,854 with a homeowner's exemption, up 31.7% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,854.00 (+31.72%) Homeowner's exemption | ||
| 2025 | $2,926.00 (-7.29%) Homeowner's exemption | $531,200 (+39.06%) Land $207,700 Building $323,500 | $531,200 (+39.06%) Land $207,700 Building $323,500 |
| 2024 | $3,156.00 | $382,000 Land $140,200 Building $241,800 | $382,000 Land $140,200 Building $241,800 |
| 2022 | $362,800 Land $132,900 Building $229,900 | $362,800 Land $132,900 Building $229,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5396 Otter River Rd in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 A, 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 risk around 5396 Otter River Rd is low, with a 0.01% annual chance of 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 25 / 3 |
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