4531 McCulloch St, Duluth, MN 55804 Property Records

St. Louis County property record for 4531 McCulloch St, Duluth, MN 55804

Property Summary

Property Type	Single Family Home
Details	5 bd · 1.5 ba · 2,193 sqft · built 1918
Lot Size	0.321 acres (14,007 sqft)
Owner	2 Individuals on Record
Tax Bill	$6,214 (2026)
Deeds & Mortgages	Aug 2019 Line of Credit Jun 2017 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-3010-03700`

Property Details

APN / Parcel Number

Primary APN	`010-3010-03700`
Alternative APN	`526093`

Interior

Bedrooms	5 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	2 Stories
Building Area	2,193 sqft Gross Area
1st Floor Area	1,142 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1918
Effective Year Built	Effective 1918
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable
Lot Area	14,007 sqft (0.321 acres)
Garage Area	616 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	61 sqft
Deck Area	320 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	526093
Street Address	4531 MCCULLOCH ST
City	DULUTH
State	MN
Zip	55804-2322
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 9 AND 10 SERIAL #
Legal Subdivision	LONDON ADD TO DULUTH
Legal Block	51
Legal Lot Number	9-10
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	5
Census Block	5004
Census Tract	600

Owner

Source: St. Louis County assessment roll, 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 Individuals on Record
Mailing Address	4531 MCCULLOCH ST, DULUTH, MN 55804-2322
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2019	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jun 19, 2017	Deed of Trust, Mortgage · Line of Credit DULUTH TEACHERS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4531 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1360288
Instrument Date	Aug 2, 2019
Transaction Type	Mortgage
Record Updated	Aug 19, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	4531 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	00A1360288
Date	Aug 8, 2019
Instrument	A1360288

Lender

Name	HARBOR POINTE CU
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Aug 7, 2034

Interest

Rate Type	Adjustable Rate

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	4531 MCCULLOCH ST, DULUTH, MN 55804-2322
Document Number	00A1311866
Instrument Date	Jun 19, 2017
Transaction Type	Mortgage
Record Updated	Jul 14, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4531 MCCULLOCH ST DULUTH MN 558042322, DULUTH, MN 55804-2322

Mortgage

Document Number	00A1311866
Date	Jun 26, 2017
Instrument	A1311866

Lender

Name	DULUTH TEACHERS CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 25, 2027

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	$6,214.00 (+7.03%) Homeowner's exemption
2025	$5,806.00 (+7.92%) Homeowner's exemption	$457,600 (+6.32%) Land $67,100 Building $390,500	$457,600 (+6.32%) Land $67,100 Building $390,500
2024	$5,380.00	$430,400 (+29.33%) Land $64,700 Building $365,700	$430,400 (+29.33%) Land $64,700 Building $365,700
2022		$332,800 Land $49,800 Building $283,000	$332,800 Land $49,800 Building $283,000

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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