St. Louis County property record for 4223 McCulloch St, Duluth, MN 55804 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,886 sqft · built 1912 |
| Lot Size | 0.2 acres (8,750 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $385,000 (Aug 2025) |
| Tax Bill | $5,506 (2026) |
| Deeds & Mortgages | Jun 2026 Line of Credit May 2023 Line of Credit + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3010-04270 |
| Primary APN | 010-3010-04270 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,886 sqft Gross Area |
| 1st Floor Area | 1,130 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1912 |
|---|---|
| Effective Year Built | Effective 1912 |
| Architectural Style | Bungalow |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 8,750 sqft (0.2 acres) |
| Garage Area | 576 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Slab |
| Porch Area | 288 sqft |
| Deck Area | 32 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 1186309 |
|---|---|
| Street Address | 4223 MCCULLOCH ST |
| City | DULUTH |
| State | MN |
| Zip | 55804-1934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | WLY 1/2 OF LOT 10 AND ELY 37 1/2 FT OFLOT 11 SERIAL # |
| Legal Subdivision | LONDON ADD TO DULUTH |
| Legal Block | 54 |
| Legal Lot Number | 10-11 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 3 |
| Census Block | 3025 |
| Census Tract | 600 |
Source: St. Louis County records · APN 010-3010-04270
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 | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 05, 2026 | Deed of Trust, Mortgage · Line of Credit BELL BANK |
| May 19, 2023 | Deed of Trust, Mortgage · Line of Credit VERMILLION STATE BANK |
| Apr 10, 2023 | Deed of Trust, Mortgage · Line of Credit VERMILLION STATE BANK |
| Oct 15, 2021 | Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Jun 17, 2019 | Deed of Trust, Mortgage · Line of Credit US BK |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Aug 12, 2025 · Amount on Record |
| Deed Sale | Aug 12, 2025 · Amount on Record |
| Prior Sale | Oct 15, 2021 · Amount on Record |
| Deed Document Number | 20251515876 |
| Prior Transfer Date | Aug 07, 2024 |
| Prior Transfer Doc | 0001496387 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jun 05, 2026 |
| Property Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Document Number | 0001533726 |
| Instrument Date | May 15, 2026 |
| Instrument | 20261533726 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 468 MOUNT CURVE BLVD, SAINT PAUL, MN 55105-1326 |
| Investor | Possibly a Property Investor |
| Document Number | 0001533726, |
|---|---|
| Date | Jun 05, 2026 |
| Instrument | 20261533726 |
| Name | BELL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 15, 2036 |
| Rate | 6.3% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Transaction Type | Mortgage |
| Record Updated | Jun 13, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Document Number | 0001466840 |
|---|---|
| Date | May 19, 2023 |
| Instrument | 1466840 |
| Name | VERMILLION STATE BANK |
|---|---|
| Type | Bank |
| Address | VERMILLION, MN 55085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Document Number | 0001464632 |
|---|---|
| Date | Apr 10, 2023 |
| Instrument | 1464632 |
| Name | VERMILLION STATE BANK |
|---|---|
| Type | Bank |
| Address | VERMILLION, MN 55085 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Oct 15, 2021 |
| Property Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Document Number | 0001427423 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 1427423 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2021 |
| Title Company | NORTH SHORE TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,191.30 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Document Number | 0001427424 |
|---|---|
| Date | Oct 15, 2021 |
| Instrument | 1427424 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 4223 MCCULLOCH ST, DULUTH, MN 55804-1934 |
| Document Number | 00A1360992 |
| Instrument Date | Jun 17, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Aug 26, 2019 |
| Title Company | NOT AVAILABLE |
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 4223 MCCULLOCH ST DULUTH MN 558041934, DULUTH, MN 55804-1934 |
| Document Number | 00A1360992 |
|---|---|
| Date | Aug 15, 2019 |
| Instrument | A1360992 |
| Name | US BK |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 14, 2049 |
| Rate Type | Adjustable Rate |
|---|
Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
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 | $5,506.00 (+7.25%) Homeowner's exemption | ||
| 2025 | $5,134.00 (-1.04%) Homeowner's exemption | $409,900 (+6.52%) Land $52,600 Building $357,300 | $409,900 (+6.52%) Land $52,600 Building $357,300 |
| 2024 | $5,188.00 | $384,800 (+14.63%) Land $50,800 Building $334,000 | $384,800 (+14.63%) Land $50,800 Building $334,000 |
| 2022 | $335,700 Land $36,100 Building $299,600 | $335,700 Land $36,100 Building $299,600 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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.
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