4523 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4523 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,136 sqft · built 1922
Lot Size	0.16 acres (7,004 sqft)
Owner	Individual Name on Record
Last Sale	$140,000 (Oct 2013)
Tax Bill	$3,556 (2026)
Deeds & Mortgages	Apr 2023 Line of Credit Aug 2017 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3010-03720`

Property Details

APN / Parcel Number

Primary APN	`010-3010-03720`
Alternative APN	`959584`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,136 sqft Gross Area
1st Floor Area	668 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	322 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	156 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	959584
Street Address	4523 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:051 SERIAL #
Legal Subdivision	LONDON ADDITION
Legal Block	51
Legal Lot Number	11
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	4523 MCCULLOCH ST, DULUTH, MN 55804-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 17, 2023	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Aug 25, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU
Jul 7, 2017	Deed of Trust, Mortgage · Line of Credit NORTHERN COMMUNITIES CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2013 · Amount on Record
Deed Sale	Oct 28, 2013 · Amount on Record
Prior Sale	Jul 19, 2013 · Amount on Record
Deed Document Number	20131226416
Prior Transfer Date	Oct 18, 2013
Prior Transfer Doc	0001226416
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4523 MCCULLOCH ST, DULUTH, MN 55804-2322
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001465075
Date	Apr 17, 2023
Instrument	1465075

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Apr 16, 2038

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

August 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4523 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1317391
Instrument Date	Aug 25, 2017
Transaction Type	Mortgage
Record Updated	Sep 25, 2017
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	00A1317391
Date	Sep 13, 2017
Instrument	A1317391

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Sep 12, 2032

Interest

Rate Type	Adjustable Rate

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4523 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1313625
Instrument Date	Jul 7, 2017
Transaction Type	Mortgage
Record Updated	Jul 31, 2017
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4523 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	00A1313625
Date	Jul 20, 2017
Instrument	A1313625

Lender

Name	NORTHERN COMMUNITIES CU
Type	Credit Union
Address	DULUTH, MN 55811

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jul 19, 2032

Interest

Rate Type	Adjustable Rate

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	$3,556.00 (+7.24%) Homeowner's exemption
2025	$3,316.00 (+9.66%) Homeowner's exemption	$277,900 (+6.27%) Land $47,900 Building $230,000	$277,900 (+6.27%) Land $47,900 Building $230,000
2024	$3,024.00	$261,500 (+24.88%) Land $46,200 Building $215,300	$261,500 (+24.88%) Land $46,200 Building $215,300
2022		$209,400 Land $35,600 Building $173,800	$209,400 Land $35,600 Building $173,800

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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