5410 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5410 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,788 sqft · built 2022
Lot Size	0.166 acres (7,262 sqft)
Owner	Individual Name on Record
Last Sale	$440,000 (Aug 2023)
Tax Bill	$5,152 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Aug 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-2840-01061`

Property Details

APN / Parcel Number

Primary APN	`010-2840-01061`
Alternative APNs	`1125518` `1154042`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	2 Stories
Building Area	1,788 sqft Gross Area
1st Floor Area	1,034 sqft

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	7,262 sqft (0.166 acres)
Garage Area	280 sqft
Porch	Slab
Porch Area	54 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1154042
Street Address	5410 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-2850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W1/2 OF LOT 2, BLOCK 14 SERIAL #
Legal Subdivision	LESTER PARK 2ND DIVISION ST
Legal Block	14
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3049
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	5410 OTSEGO ST, DULUTH, MN 55804-2850
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2023	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Aug 31, 2023	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Feb 1, 2022	Warranty Deed, Transfer · Conventional Mortgage LEND SMART MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Deed Document Number	20231473215
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5410 OTSEGO ST, DULUTH, MN 55804-2850
Transaction Type	Mortgage
Record Updated	Oct 2, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5410 OTSEGO ST, DULUTH, MN 55804-2850

Mortgage

Document Number	0001464476
Date	Apr 6, 2023
Instrument	1464476

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	346 Months
Due	Feb 1, 2052

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 31, 2023
Property Address	5410 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001473215
Instrument Date	Aug 25, 2023
Instrument	1473215
Transaction Type	Transfer
Record Updated	Sep 19, 2023
Title Company	NOT AVAILABLE, THE TITLE TEAM NORTH SHORE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,452.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5410 OTSEGO ST, DULUTH, MN 55804-2850

Mortgage

Document Number	0001473216
Date	Aug 31, 2023
Instrument	1473216

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Sep 1, 2043

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Feb 1, 2022
Property Address	5410 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001436628
Instrument Date	Jan 27, 2022
Instrument	1436628
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,315.66
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5410 OTSEGO ST, DULUTH, MN 55804-2850

Mortgage

Document Number	0001436629
Date	Feb 1, 2022
Instrument	1436629

Lender

Name	LEND SMART MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

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	$5,152.00 (+4.33%) Homeowner's exemption
2025	$4,938.00 Homeowner's exemption	$385,800 (+3.82%) Land $48,600 Building $337,200	$385,800 (+3.82%) Land $48,600 Building $337,200
2024		$371,600 (-6.79%) Land $46,900 Building $324,700	$371,600 (-6.79%) Land $46,900 Building $324,700
2022		$398,684
			$398,684

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 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

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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