4120 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4120 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,798 sqft · built 1926
Lot Size	0.16 acres (6,995 sqft)
Owner	Individual Name on File
Tax Bill	$4,778 (2026)
Deeds & Mortgages	Jan 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3010-02000`

Property Details

APN / Parcel Number

Primary APN	`010-3010-02000`
Alternative APN	`929604`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,798 sqft Gross Area
1st Floor Area	974 sqft
Basement Area	480 sqft
Finished Basement	480 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	6,995 sqft (0.16 acres)
Garage Area	1,540 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	80 sqft
Deck Area	153 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	929604
Street Address	4120 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-1931
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0005 BLOCK:040 SERIAL #
Legal Subdivision	LONDON ADDITION TO DULUTH
Legal Block	40
Legal Lot Number	5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1002
Census Tract	600

Owner

Source: St. Louis County records · APN 010-3010-02000

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	4120 MCCULLOCH ST, DULUTH, MN 55804-1931
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Oct 04, 2011
Deed Sale	Oct 04, 2011
Prior Sale	Sep 21, 2010 · Amount on Record
Deed Document Number	2011905259
Prior Transfer Date	Apr 29, 2004
Prior Transfer Doc	0000780579
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4120 MCCULLOCH ST, DULUTH, MN 55804-1931
Transaction Type	Mortgage
Record Updated	May 24, 2023
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001051855
Date	Jan 06, 2022
Instrument	1051855

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Feb 01, 2042

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	$4,778.00 (+7.32%) Homeowner's exemption
2025	$4,452.00 (+15.82%) Homeowner's exemption	$360,400 (+6.41%) Land $47,900 Building $312,500	$360,400 (+6.41%) Land $47,900 Building $312,500
2024	$3,844.00	$338,700 (+31.94%) Land $46,200 Building $292,500	$338,700 (+31.94%) Land $46,200 Building $292,500
2022		$256,700 Land $35,600 Building $221,100	$256,700 Land $35,600 Building $221,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of March 24, 2025 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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	8 in force

Wildfire

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 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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T Fixed Wireless	100 / 20

Based on FCC filings for 367 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Duluth serves 86,859 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.