5415 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5415 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,455 sqft · built 1891
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$158,500 (Sep 2018)
Tax Bill	$3,362 (2026)
Deeds & Mortgages	Sep 2020 Mortgage Sep 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-2840-01260`

Property Details

APN / Parcel Number

Primary APN	`010-2840-01260`
Alternative APN	`1058565`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,455 sqft Gross Area
1st Floor Area	1,003 sqft

Exterior

Year Built	Built 1891
Effective Year Built	Effective 1891
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	35 sqft
Deck Area	88 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1058565
Street Address	5415 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0013 BLOCK:015 SERIAL #
Legal Subdivision	LESTER PARK 2ND DIV DULUTH
Legal Block	15
Legal Lot Number	13
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3039
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	5415 OTSEGO ST, DULUTH, MN 55804-1367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE
Sep 25, 2018	Warranty Deed, Transfer · Conventional with PMI NORTH SHORE BK/COMMERCE
Sep 25, 2018	Affidavit of Death, Transfer NORTH SHORE TITLE
Mar 30, 2017	Deed of Trust, Mortgage · Line of Credit DULUTH TEACHERS CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2018 · Amount on Record
Deed Sale	Sep 25, 2018 · Amount on Record
Deed Document Number	20181341378
Record Updated	Sep 20, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5415 OTSEGO ST, DULUTH, MN 55804-1367
Document Number	00A1390714
Instrument Date	Sep 9, 2020
Transaction Type	Mortgage
Record Updated	Oct 23, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5415 OTSEGO ST DULUTH MN 558041367, DULUTH, MN 55804-1367

Mortgage

Document Number	00A1390714
Date	Sep 17, 2020
Instrument	A1390714

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 16, 2050

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 25, 2018
Property Address	5415 OTSEGO ST, DULUTH, MN 55804-1367
Document Number	00A1341378
Instrument Date	Sep 11, 2018
Instrument	A1341378
Transaction Type	Transfer
Record Updated	Oct 11, 2018
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$523.05
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5415 OTSEGO ST DULUTH MN 558041367, DULUTH, MN 55804-1367

Mortgage

Document Number	A1341379
Date	Sep 25, 2018
Instrument	A1341379

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Sep 24, 2048

September 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	ST LOUIS MN
Recording Date	Sep 25, 2018
Property Address	5415 OTSEGO ST, DULUTH, MN 55804-1367
Document Number	00A1341374
Instrument Date	Sep 11, 2018
Instrument	A1341374
Transaction Type	Transfer
Record Updated	Oct 10, 2018
Title Company	NORTH SHORE TITLE

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5005 MATTERHORN DR #2 DULUTH MN 558113877, 2, DULUTH, MN 55811-3877

March 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5415 OTSEGO ST, DULUTH, MN 55804-1367
Document Number	00A1306853
Instrument Date	Mar 30, 2017
Transaction Type	Mortgage
Record Updated	Apr 24, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5415 OTSEGO ST DULUTH MN 558041367, DULUTH, MN 55804-1367

Mortgage

Document Number	00A1306853
Date	Apr 5, 2017
Instrument	A1306853

Lender

Name	DULUTH TEACHERS CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 4, 2032

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	$3,362.00 (+7.14%) Homeowner's exemption
2025	$3,138.00 (-1.51%) Homeowner's exemption	$264,900 (+6.17%) Land $47,800 Building $217,100	$264,900 (+6.17%) Land $47,800 Building $217,100
2024	$3,186.00	$249,500 (+13.82%) Land $46,200 Building $203,300	$249,500 (+13.82%) Land $46,200 Building $203,300
2022		$219,200 Land $35,500 Building $183,700	$219,200 Land $35,500 Building $183,700

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	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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