4317 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4317 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,536 sqft · built 1932
Lot Size	0.144 acres (6,300 sqft)
Owner	Individual Name on Record
Last Sale	$290,000 (Dec 2022)
Tax Bill	$4,182 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3010-04090`

Property Details

APN / Parcel Number

Primary APN	`010-3010-04090`
Alternative APNs	`1142398` `98773`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,536 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	900 sqft
Finished Basement	900 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1932
Effective Year Built	Effective 1932
Architectural Style	Bungalow
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	6,300 sqft (0.144 acres)
Garage Area	672 sqft
Pool Type	Spa / Hot Tub (No Pool)
Deck Area	148 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1142398
Street Address	4317 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-1905
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W 45 FT SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	53
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	3
Census Block	3026
Census Tract	600

Owner

Source: St. Louis County records, as of August 17, 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 Record
Mailing Address	4317 MCCULLOCH ST, DULUTH, MN 55804-1905
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 21, 2022	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Oct 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 21, 2022 · Amount on Record
Deed Sale	Dec 21, 2022 · Amount on Record
Deed Document Number	20221458965
Record Updated	Sep 20, 2026

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 21, 2022
Property Address	4317 MCCULLOCH ST, DULUTH, MN 55804-1905
Document Number	0001458965
Instrument Date	Dec 16, 2022
Instrument	1458965
Transaction Type	Transfer
Record Updated	Jan 27, 2023
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$957.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4317 MCCULLOCH ST, DULUTH, MN 55804-1905

Mortgage

Document Number	0001458966
Date	Dec 21, 2022
Instrument	1458966

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4317 MCCULLOCH ST, DULUTH, MN 55804-1905
Document Number	00A1394734
Instrument Date	Oct 22, 2020
Transaction Type	Mortgage
Record Updated	Dec 2, 2020
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4317 MCCULLOCH ST DULUTH MN 558041905, DULUTH, MN 55804-1905

Mortgage

Document Number	00A1394734
Date	Nov 2, 2020
Instrument	A1394734

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 1, 2035

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,182.00 (+7.4%) Homeowner's exemption
2025	$3,894.00 (+2.74%) Homeowner's exemption	$320,100 (+6.42%) Land $43,100 Building $277,000	$320,100 (+6.42%) Land $43,100 Building $277,000
2024	$3,790.00	$300,800 (+17.64%) Land $41,600 Building $259,200	$300,800 (+17.64%) Land $41,600 Building $259,200
2022		$255,700 Land $32,000 Building $223,700	$255,700 Land $32,000 Building $223,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	1 (2012)
Most Recent Claim	Jun 2012 · Severe Storms And Flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
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, 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 328 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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