4405 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4405 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,404 sqft · built 1921
Lot Size	0.16 acres (7,004 sqft)
Owner	Individual Name on Record
Last Sale	$185,000 (May 2010)
Tax Bill	$3,900 (2026)
Deeds & Mortgages	Jun 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3010-03920`

Property Details

APN / Parcel Number

Primary APN	`010-3010-03920`
Alternative APN	`899772`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,404 sqft Gross Area
1st Floor Area	624 sqft
Basement Area	312 sqft
Finished Basement	312 sqft

Exterior

Year Built	Built 1921
Effective Year Built	Effective 1921
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Lot Area	7,004 sqft (0.16 acres)
Garage Area	288 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	80 sqft
Deck Area	35 sqft
Storage Building	72 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	899772
Street Address	4405 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-1937
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0015 BLOCK:052 SERIAL #
Legal Subdivision	LONDON ADDITION TO DULUTH
Legal Block	52
Legal Lot Number	15
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5005
Census Tract	600

Owner

Source: St. Louis County records, as of October 20, 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	4405 MCCULLOCH ST, DULUTH, MN 55804-1937
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2010 · Amount on Record
Deed Sale	May 7, 2010 · Amount on Record
Prior Sale	Oct 7, 2004
Deed Document Number	20101134315
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4405 MCCULLOCH ST, DULUTH, MN 55804-1937
Document Number	00A1384126
Instrument Date	Jun 24, 2020
Transaction Type	Mortgage
Record Updated	Aug 17, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4405 MCCULLOCH ST DULUTH MN 558041937, DULUTH, MN 55804-1937

Mortgage

Document Number	00A1384126
Date	Jul 1, 2020
Instrument	A1384126

Lender

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

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jun 30, 2050

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	$3,900.00 (+7.32%) Homeowner's exemption
2025	$3,634.00 (+4.43%) Homeowner's exemption	$301,200 (+6.36%) Land $47,900 Building $253,300	$301,200 (+6.36%) Land $47,900 Building $253,300
2024	$3,480.00	$283,200 (+19.59%) Land $46,200 Building $237,000	$283,200 (+19.59%) Land $46,200 Building $237,000
2022		$236,800 Land $35,600 Building $201,200	$236,800 Land $35,600 Building $201,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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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