In response to your comment, I think the issue is with Microsoft Excel here, not with XSLT. The quotation marks are treated as text-delimiters, and normally you would only use them when you have a field with a comma in, to indicate it is just one single field, and not two. In any case, when you read a CSV file into Microsoft Excel, it does not show any text delimiters (regardless of whether the field contains a comma or not), just the text within them. The quotation marks are just not considered part of the text in the field, but are simply used to delimit the text in the field where it might contain special characters.
Furthermore, when you save the file as CSV file, Excel will only use text-delimiters where required (i.e. when the field contains a comma). If the CSV file had quotation marks around a field which did not contain a comma, like in your example of 10,"SMITH",ST
, then these get removed when saving.
To prove this, try renaming your file as a .txt file before serving up in the browser (so it should open up in IE, or maybe notepad), and see if the data is as expected.
If the intention was to have quotation marks as part of the actual field text, and not treated as a delimiter, you will need to output THREE quotation marks around the data
<xsl:param name="delim" select="','" />
<xsl:param name="quote">"</xsl:param>
<xsl:value-of select="./*/*/LotNumber"/>
<xsl:value-of select="$delim"/>
<xsl:value-of select="$quote"/>
<xsl:value-of select="$quote"/>
<xsl:value-of select="$quote"/>
<xsl:value-of select="./*/*/StreetName"/>
<xsl:value-of select="$quote"/>
<xsl:value-of select="$quote"/>
<xsl:value-of select="$quote"/>
<xsl:value-of select="$delim"/>
<xsl:value-of select="./*/*/StreetType"/>
So, as text, it will be output as follows
10,"""SMITH""",ST
When opened in Excel, you should see a single set of quotation marks around "Smith".
Three quotation marks are needed here because the outermost are the text-delimiters, and then a pair of conecutive quotes then get treated as a single-quote in the actual field.