4509 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4509 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,076 sqft · built 1911
Lot Size	0.16 acres (7,004 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (Oct 2018)
Tax Bill	$3,652 (2026)
Deeds & Mortgages	Nov 2019 Mortgage Oct 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3010-03750`

Property Details

APN / Parcel Number

Primary APN	`010-3010-03750`
Alternative APN	`1059248`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,076 sqft Gross Area
1st Floor Area	662 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1911
Effective Year Built	Effective 1911
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,004 sqft (0.16 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	252 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1059248
Street Address	4509 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0014 BLOCK:051 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	51
Legal Lot Number	14
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5004
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	4509 MCCULLOCH ST, DULUTH, MN 55804-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2019	Deed of Trust, Mortgage · Conventional Mortgage MISCELLANEOUS GOVT AGCY
Oct 5, 2018	Warranty Deed, Transfer · Conventional with PMI AFFINITY PLUS FCU
Jun 25, 2018	Deed of Trust, Mortgage · Conventional Mortgage NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Jan 11, 2017	Grant Deed, Transfer · Conventional Mortgage NATIONAL BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 5, 2018 · Amount on Record
Deed Sale	Oct 5, 2018 · Amount on Record
Prior Sale	Jan 11, 2017 · Amount on Record
Deed Document Number	20181342069
Prior Transfer Date	May 2, 2007
Prior Transfer Doc	0001051678
Record Updated	Sep 20, 2026

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4509 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1371386
Instrument Date	Nov 26, 2019
Transaction Type	Mortgage
Record Updated	Feb 13, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4509 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	00A1371386
Date	Jan 14, 2020
Instrument	A1371386

Lender

Name	MISCELLANEOUS GOVT AGCY
Address	520 GARFIELD AVE, DULUTH, MN 55802-2610

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 5, 2018
Property Address	4509 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1342069
Instrument Date	Sep 28, 2018
Instrument	A1342069
Transaction Type	Transfer
Record Updated	Jan 16, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$660.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4509 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	A1342072
Date	Oct 5, 2018
Instrument	A1342072

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	ST PAUL, MN 55107

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Oct 4, 2048

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4509 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1336168
Instrument Date	Jun 25, 2018
Transaction Type	Mortgage
Record Updated	Jul 27, 2018
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4509 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	00A1336168
Date	Jul 10, 2018
Instrument	A1336168

Lender

Name	NEIGHBORHOOD HOUSING SVCS OF DULUTH INC
Type	Bank
Address	DULUTH, MN 55805

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 9, 2028

Interest

Rate	4.75%

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 11, 2017
Property Address	4509 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1301948
Instrument Date	Jan 3, 2017
Instrument	A1301948
Transaction Type	Transfer
Record Updated	Jan 25, 2017
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$369.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2153 SUSSEX AVE DULUTH MN 558032258, DULUTH, MN 55803-2258

Mortgage

Document Number	A1301949,
Date	Jan 11, 2017
Instrument	A1301949

Lender

Name	NATIONAL BK/COMMERCE
Type	Bank
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 10, 2047

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	$3,652.00 (+7.29%) Homeowner's exemption
2025	$3,404.00 (-5.39%) Homeowner's exemption	$284,400 (+6.32%) Land $47,900 Building $236,500	$284,400 (+6.32%) Land $47,900 Building $236,500
2024	$3,598.00	$267,500 (+9.63%) Land $46,200 Building $221,300	$267,500 (+9.63%) Land $46,200 Building $221,300
2022		$244,000 Land $35,600 Building $208,400	$244,000 Land $35,600 Building $208,400

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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