4521 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4521 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,248 sqft · built 1922
Lot Size	0.16 acres (7,004 sqft)
Owner	2 Individual Names on Record
Last Sale	$283,000 (Sep 2025)
Tax Bill	$3,652 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2021 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`010-3010-03730`

Property Details

APN / Parcel Number

Primary APN	`010-3010-03730`
Alternative APNs	`1087142` `1142009` `1177037` `1188639`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,248 sqft Gross Area
1st Floor Area	624 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1922
Effective Year Built	Effective 1922
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	7,004 sqft (0.16 acres)
Garage Area	240 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	140 sqft
Deck Area	230 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1188639
Street Address	4521 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0012 BLOCK:051 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	51
Legal Lot Number	12
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	2 Individual Names on Record
Mailing Address	4521 MCCULLOCH ST, DULUTH, MN 55804-2322
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · Commercial Mortgage BELL BANK
Dec 1, 2021	Deed of Trust, Mortgage · Line of Credit BELL BANK
Sep 30, 2025	Warranty Deed, Transfer · Conventional Mortgage BANK OF AMERICA NA
Apr 9, 2020	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Prior Sale	Dec 2, 2011 · Amount on Record
Deed Document Number	20251519118
Prior Transfer Date	Jul 22, 2025
Prior Transfer Doc	0001514626
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4521 MCCULLOCH ST, DULUTH, MN 55804-2322
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001431736
Date	Dec 6, 2021
Instrument	1431736

Lender

Name	BELL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 15, 2031

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4521 MCCULLOCH ST, DULUTH, MN 55804-2322
Transaction Type	Mortgage
Record Updated	Oct 23, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001050153
Date	Dec 1, 2021
Instrument	1050153

Lender

Name	BELL BANK
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	119 Months
Due	Nov 15, 2031

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Sep 30, 2025
Property Address	4521 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	0001519118
Instrument Date	Sep 11, 2025
Instrument	1519118
Transaction Type	Transfer
Record Updated	Oct 23, 2025
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$933.90
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	4521 MCCULLOCH ST, DULUTH, MN 55804-2322

Mortgage

Document Number	0001519119
Date	Sep 30, 2025
Instrument	1519119

Lender

Name	BANK OF AMERICA NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

April 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Apr 9, 2020
Property Address	4521 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1377199
Instrument Date	Feb 24, 2020
Instrument	A1377199
Transaction Type	Transfer
Record Updated	Jun 12, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	7 N SANDALWOOD ST WICHITA KS 672306611, WICHITA, KS 67230-6611

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 (+6.66%)
2025	$3,424.00 (+16.86%)	$264,400 (+6.27%) Land $47,900 Building $216,500	$264,400 (+6.27%) Land $47,900 Building $216,500
2024	$2,930.00	$248,800 (+31.29%) Land $46,200 Building $202,600	$248,800 (+31.29%) Land $46,200 Building $202,600
2022		$189,500 Land $35,600 Building $153,900	$189,500 Land $35,600 Building $153,900

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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