4220 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4220 McCulloch St, Duluth, MN 55804 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 2,427 sqft · built 1909
Lot Size	0.321 acres (13,989 sqft)
Owner	2 Individual Names on File
Last Sale	$470,000 (Jun 2026)
Tax Bill	$6,382 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3010-02170`

Property Details

APN / Parcel Number

Primary APN	`010-3010-02170`
Alternative APNs	`1189805` `899268`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	2 Stories
Building Area	2,427 sqft Gross Area
1st Floor Area	1,302 sqft
Basement Area	335 sqft
Finished Basement	335 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1909
Effective Year Built	Effective 1909
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Lot Area	13,989 sqft (0.321 acres)
Garage Area	432 sqft

Exterior Amenities

Porch	Patio
Porch Area	258 sqft
Deck Area	228 sqft
Storage Building	80 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1189805
Street Address	4220 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-1933
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 AND 5, BLOCK 41 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	41
Legal Lot Number	4-5
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	1
Census Block	1001
Census Tract	600

Owner

Source: St. Louis County records · APN 010-3010-02170

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	2 Individual Names on File
Mailing Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 10, 2026	Deed, Transfer · Conventional Mortgage ENTRUST FINANCIAL CREDIT UNION
Oct 21, 2025	Affidavit of Death of Joint Tenant, Transfer
Oct 24, 2025	Affidavit of Death of Joint Tenant, Transfer
Sep 29, 2021	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 10, 2026 · Amount on Record
Deed Sale	Jun 10, 2026 · Amount on Record
Deed Document Number	20261102330
Prior Transfer Date	Oct 24, 2025
Prior Transfer Doc	0001520962
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 10, 2026
Property Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933
Document Number	0001102330
Instrument Date	May 01, 2026
Instrument	20261102330
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$156,651.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933

Mortgage

Document Number	0001102331,
Date	Jun 10, 2026
Instrument	20261102331

Lender

Name	ENTRUST FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 21, 2025
Property Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933
Document Number	0001095374
Instrument Date	Oct 21, 2025
Instrument	1095374
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	4174 STOCKHOLM RD, DULUTH, MN 55803-2714

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 24, 2025
Property Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933
Document Number	0001520962
Instrument Date	Oct 21, 2025
Instrument	1520962
Transaction Type	Transfer
Record Updated	Nov 12, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4174 STOCKHOLM RD, DULUTH, MN 55803-2714

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933
Transaction Type	Mortgage
Record Updated	Oct 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4220 MCCULLOCH ST, DULUTH, MN 55804-1933

Mortgage

Document Number	0001047475
Date	Sep 29, 2021
Instrument	1047475

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Sep 25, 2031

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	$6,382.00 (+7.12%) Homeowner's exemption
2025	$5,958.00 (-2.01%) Homeowner's exemption	$468,800 (+6.38%) Land $67,100 Building $401,700	$468,800 (+6.38%) Land $67,100 Building $401,700
2024	$6,080.00	$440,700 (+11.57%) Land $64,700 Building $376,000	$440,700 (+11.57%) Land $64,700 Building $376,000
2022		$395,000 Land $49,800 Building $345,200	$395,000 Land $49,800 Building $345,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370006001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	8 in force

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; 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, availability as of December 31, 2025 · Published October 2026 · based on 367 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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