4028 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4028 McCulloch St, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,278 sqft · built 1923
Lot Size	0.16 acres (6,981 sqft)
Owner	Individual Name on File
Last Sale	$168,400 (Aug 2020)
Tax Bill	$2,856 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3010-01860`

Property Details

APN / Parcel Number

Primary APN	`010-3010-01860`
Alternative APNs	`1094770` `1172338`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,278 sqft Gross Area
1st Floor Area	888 sqft
Basement Area	220 sqft
Finished Basement	220 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,981 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	44 sqft
Deck Area	20 sqft
Patio Area	192 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1172338
Street Address	4028 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-1929
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:039 SERIAL #
Legal Subdivision	LONDON ADDITION TO DULUTH
Legal Block	39
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1003
Census Tract	600

Owner

Source: St. Louis County records · APN 010-3010-01860

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	4028 MCCULLOCH ST, DULUTH, MN 55804-1929
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Sep 23, 2016 · Amount on Record
Deed Document Number	20201027867
Last Transfer Date	Sep 27, 2024
Transfer Doc	0001083589
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 24, 2020
Property Address	4028 MCCULLOCH ST, DULUTH, MN 55804-1929
Document Number	00T1027867
Instrument Date	Aug 13, 2020
Instrument	T1027867
Transaction Type	Transfer
Record Updated	Oct 15, 2020
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$556.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4028 MCCULLOCH ST DULUTH MN 558041929, DULUTH, MN 55804-1929

Mortgage

Document Number	T1027868
Date	Aug 24, 2020
Instrument	T1027868

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 23, 2050

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,856.00 (+7.29%) Homeowner's exemption
2025	$2,662.00 (-5.87%) Homeowner's exemption	$230,800 (+6.26%) Land $47,900 Building $182,900	$230,800 (+6.26%) Land $47,900 Building $182,900
2024	$2,828.00	$217,200 (+9.92%) Land $46,200 Building $171,000	$217,200 (+9.92%) Land $46,200 Building $171,000
2022		$197,600 Land $35,600 Building $162,000	$197,600 Land $35,600 Building $162,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.