5414 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5414 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	0.317 acres (13,844 sqft)
Owner	2 Trust Names on File
Last Sale	$406,515 (Mar 2022)
Tax Bill	$5,290 (2026)
Deeds & Mortgages	Feb 2026 Transfer Apr 2024 Transfer + 5 more
Flood Zone	Zone X (minimal risk)
APN	`010-2840-01060`

Property Details

APN / Parcel Number

Primary APN	`010-2840-01060`
Alternative APNs	`1126709` `1166963` `1194485`

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	13,844 sqft (0.317 acres)
Garage Area	280 sqft
Porch	Slab
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1194485
Street Address	5414 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-2850
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E1/2 OF LOT 2, BLOCK 14 SERIAL #
Legal Subdivision	LESTER PARK 2ND DIV DULUTH
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

5414 Otsego St is held in a trust since April 2024.

Source: St. Louis County records, as of August 17, 2026

Owner of Record	2 Trust Names on File
Mailing Address	8014 196TH ST W, LAKEVILLE, MN 55044-6530
Owner Type	Company
Vesting	Trust, Revocable Living Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2026	Intrafamily Transfer, Transfer
Apr 29, 2024	Quit Claim Deed, Transfer Quitclaim
Mar 1, 2022	Warranty Deed, Transfer NOT AVAILABLE, PIONEER TITLE TWIN PORTS
Jun 7, 2021	Intrafamily Transfer, Transfer
Jun 7, 2021	Intrafamily Transfer, Transfer
Nov 20, 2020	Quit Claim Deed, Transfer ATTORNEY ONLY
Aug 21, 2020	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 1, 2022 · Amount on File
Deed Sale	Mar 1, 2022 · Amount on File
Prior Sale	Feb 1, 2022 · Amount on File
Deed Document Number	20221438321
Last Transfer Date	Apr 15, 2024
Transfer Doc	0001486896
Record Updated	Sep 20, 2026

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Feb 9, 2026
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001527647
Instrument Date	Feb 4, 2026
Instrument	1527647
Transaction Type	Transfer
Record Updated	Feb 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust
Address	8014 196TH ST W, LAKEVILLE, MN 55044-6530

April 2024: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 29, 2024
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001486896
Instrument Date	Apr 15, 2024
Instrument	1486896
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15331 RED OAKS RD SE, PRIOR LAKE, MN 55372-1835

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 1, 2022
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001438321
Instrument Date	Feb 25, 2022
Instrument	1438321
Transaction Type	Transfer
Record Updated	Oct 2, 2023
Title Company	NOT AVAILABLE, PIONEER TITLE TWIN PORTS

Transaction

Amount	Amount on Record
Tax	$1,341.50
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	15331 RED OAKS RD SE, PRIOR LAKE, MN 55372-1835

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jun 7, 2021
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001415893
Instrument Date	Jun 3, 2021
Instrument	1415893
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8640 WINSDALE ST N, GOLDEN VALLEY, MN 55427-3835
Mail Care Of	JAY ISENBERG

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Jun 7, 2021
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	0001415894
Instrument Date	Jun 3, 2021
Instrument	1415894
Transaction Type	Transfer
Record Updated	Oct 2, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8640 WINSDALE ST N, GOLDEN VALLEY, MN 55427-3835

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Nov 20, 2020
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	00A1396569
Instrument Date	Oct 30, 2020
Instrument	A1396569
Transaction Type	Transfer
Record Updated	Dec 9, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	8640 WINSDALE ST N GOLDEN VALLEY MN 554273835, GOLDEN VALLEY, MN 55427-3835

August 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 21, 2020
Property Address	5414 OTSEGO ST, DULUTH, MN 55804-2850
Document Number	00A1388527
Instrument Date	Jun 23, 2020
Instrument	A1388527
Transaction Type	Transfer
Record Updated	Sep 21, 2020
Title Company	NOT AVAILABLE

Transaction

Amount	Amount on Record
Tax	$2.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	411 W 1ST ST #418 DULUTH MN 558022654, 418, DULUTH, MN 55802-2654

Tax Assessment & Valuation

The 2026 property tax bill for 5414 Otsego St was $5,290, up 4.2% from the year before.

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	$5,290.00 (+4.17%)
2025	$5,078.00 (+11.7%)	$384,100 (+3.81%) Land $45,000 Building $339,100	$384,100 (+3.81%) Land $45,000 Building $339,100
2024	$4,546.00	$370,000 Land $43,400 Building $326,600	$370,000 Land $43,400 Building $326,600
2022		$299,900 Land $33,400 Building $266,500	$299,900 Land $33,400 Building $266,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 5414 Otsego St in Zone X, an area of minimal flood risk, within 100 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 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

Wildfire risk around 5414 Otsego St 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	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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