St. Louis County property record for 5401 Otsego St, Duluth, MN 55804
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.75 ba · 1,080 sqft · built 1926 |
| Lot Size | 0.161 acres (7,032 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,900 (Jul 2026) |
| Tax Bill | $3,810 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Aug 2020 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-2840-01290 |
| Primary APN | 010-2840-01290 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Gross Area |
| 1st Floor Area | 1,080 sqft |
| Basement Area | 144 sqft |
| Finished Basement | 144 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1926 |
|---|---|
| Effective Year Built | Effective 1926 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 7,032 sqft (0.161 acres) |
| Garage Area | 480 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 224 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 1074612 |
|---|---|
| Street Address | 5401 OTSEGO ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1367 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0016 BLOCK:015 SERIAL # |
| Legal Subdivision | LESTER PARK 2ND DIVISION |
| Legal Block | 15 |
| Legal Lot Number | 16 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3039 |
| Census Tract | 200 |
Source: St. Louis County records · APN 010-2840-01290
Assessment roll updated August 17, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 5401 OTSEGO ST, DULUTH, MN 55804-1367 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 10, 2026 | Warranty Deed, Transfer · Conventional Mortgage MORTGAGE MORTGAGE |
| Aug 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage MORTGAGES UNLIMITED |
| Jul 29, 2019 | Warranty Deed, Transfer · Conventional Mortgage BELL BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Prior Sale | Jul 29, 2019 · Amount on Record |
| Deed Document Number | 20261103469 |
| Prior Transfer Date | Nov 08, 2001 |
| Prior Transfer Doc | 0000816836 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 10, 2026 |
| Property Address | 5401 OTSEGO ST, DULUTH, MN 55804-1367 |
| Document Number | 0001103469 |
| Instrument Date | Jul 02, 2026 |
| Instrument | 20261103469 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $128,620.47 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 5401 OTSEGO ST, DULUTH, MN 55804-1367 |
| Document Number | 0001103470, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 20261103470 |
| Name | MORTGAGE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 5401 OTSEGO ST, DULUTH, MN 55804-1367 |
| Document Number | 00T1028213 |
| Instrument Date | Aug 24, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 09, 2020 |
| Title Company | OTHER |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 5401 OTSEGO ST DULUTH MN 558041367, DULUTH, MN 55804-1367 |
| Document Number | 00T1028213 |
|---|---|
| Date | Aug 31, 2020 |
| Instrument | T1028213 |
| Name | MORTGAGES UNLIMITED |
|---|---|
| Type | Mortgage Company |
| Address | MAPLE GROVE, MN 55369 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 30, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 29, 2019 |
| Property Address | 5401 OTSEGO ST, DULUTH, MN 55804-1367 |
| Document Number | 00T1012933 |
| Instrument Date | Jul 19, 2019 |
| Instrument | T1012933 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2019 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $693.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 5401 OTSEGO ST DULUTH MN 558041367, DULUTH, MN 55804-1367 |
| Document Number | T1012934 |
|---|---|
| Date | Jul 29, 2019 |
| Instrument | T1012934 |
| Name | BELL BK |
|---|---|
| Address | FARGO, ND 58103 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 28, 2049 |
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,810.00 (+6.66%) | ||
| 2025 | $3,572.00 (+10.79%) | $276,100 (+6.31%) Land $47,100 Building $229,000 | $276,100 (+6.31%) Land $47,100 Building $229,000 |
| 2024 | $3,224.00 | $259,700 (+24.38%) Land $45,400 Building $214,300 | $259,700 (+24.38%) Land $45,400 Building $214,300 |
| 2022 | $208,800 Land $35,000 Building $173,800 | $208,800 Land $35,000 Building $173,800 |
Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Nearby Flood Claims | 1 (1978) |
| Most Recent Claim | May 1978 · tidal / storm surge |
| 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 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
Based on FCC filings for 612 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Duluth serves 86,859 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Feb 2025 |
| Lead | 8 ppb (2023–2025) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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