5421 Otsego St, Duluth, MN 55804 Property Records

St. Louis County property record for 5421 Otsego St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 896 sqft · built 1946
Lot Size	0.16 acres (7,000 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Jul 2017)
Tax Bill	$2,880 (2026)
Deeds & Mortgages	Jul 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-2840-01240`

Property Details

APN / Parcel Number

Primary APN	`010-2840-01240`
Alternative APN	`1034046`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	896 sqft Gross Area
1st Floor Area	896 sqft
Basement Area	672 sqft
Finished Basement	672 sqft

Exterior

Year Built	Built 1946
Effective Year Built	Effective 1946
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	7,000 sqft (0.16 acres)
Garage Area	576 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	20 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1034046
Street Address	5421 OTSEGO ST
City	DULUTH
State	MN
Zip	55804-1367
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:015 SERIAL #
Legal Subdivision	LESTER PARK SECOND DIVISION
Legal Block	15
Legal Lot Number	11
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	5421 OTSEGO ST, DULUTH, MN 55804-1367
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 13, 2017 · Amount on Record
Deed Sale	Jul 13, 2017 · Amount on Record
Prior Sale	Apr 9, 2015 · Amount on Record
Deed Document Number	20171313057
Prior Transfer Date	Jul 7, 2017
Prior Transfer Doc	0001313057
Record Updated	Oct 29, 2026

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jul 13, 2017
Property Address	5421 OTSEGO ST, DULUTH, MN 55804-1367
Document Number	00A1313057
Instrument Date	Jul 7, 2017
Instrument	A1313057
Transaction Type	Transfer
Record Updated	Jul 25, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$593.00

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5421 OTSEGO ST DULUTH MN 558041367, DULUTH, MN 55804-1367

Mortgage

Document Number	A1313058
Date	Jul 13, 2017
Instrument	A1313058

Lender

Name	WINGS FIN'L FCU
Type	Credit Union
Address	APPLE VALLEY, MN 55124

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 12, 2047

Interest

Rate Type	Adjustable Rate
Rate	2.75%

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	$2,880.00 (+7.14%) Homeowner's exemption
2025	$2,688.00 (+0.83%) Homeowner's exemption	$232,500 (+6.21%) Land $47,800 Building $184,700	$232,500 (+6.21%) Land $47,800 Building $184,700
2024	$2,666.00	$218,900 (+16.56%) Land $46,200 Building $172,700	$218,900 (+16.56%) Land $46,200 Building $172,700
2022		$187,800 Land $35,500 Building $152,300	$187,800 Land $35,500 Building $152,300

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	Indirect within 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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