6132 Hwy 7, Culver (Saginaw), MN 55779 Property Records

St. Louis County property record for 6132 Hwy 7, Culver, MN 55779

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 960 sqft · built 1978
Lot Size	10 acres (438,649 sqft)
Owner	Individual Name on Record
Last Sale	$125,000 (Aug 2017)
Tax Bill	$1,032 (2026)
Deeds & Mortgages	Sep 2019 Line of Credit Aug 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`475-0010-04922`

Property Details

APN / Parcel Number

Primary APN	`475-0010-04922`
Alternative APN	`1035426`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	960 sqft Gross Area
1st Floor Area	960 sqft
Basement Area	480 sqft
Finished Basement	480 sqft

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	438,649 sqft (10 acres)
Garage Area	576 sqft
Deck Area	168 sqft
Storage Building	120 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Oil

Location & Zoning

Account Number	1035426
Street Address	6132 HIGHWAY 7
City	CULVER
State	MN
Zip	55779-8033
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	N 330 FT OF S 990 FT OF LOT 4 SERIAL #
Legal Range	17W
Legal Township	52N
Legal Section	30
Legal Subdivision	NEW INDEPENDENCE TOWN OF
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	NEW INDEPENDENCE
Census Block Group	1
Census Block	1024
Census Tract	11101

Owner

Source: St. Louis County records, as of October 19, 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	6132 HIGHWAY 7, CULVER, MN 55779-8033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 16, 2019	Deed of Trust, Mortgage · Line of Credit US BK
Aug 4, 2017	Grant Deed, Transfer · Conventional with PMI US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2017 · Amount on Record
Deed Sale	Aug 4, 2017 · Amount on Record
Prior Sale	Dec 1, 2016 · Amount on Record
Deed Document Number	20171314703
Record Updated	Oct 29, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6132 HIGHWAY 7, CULVER, MN 55779-8033
Document Number	00A1365315
Instrument Date	Sep 16, 2019
Transaction Type	Mortgage
Record Updated	Dec 16, 2019
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SVCS

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6132 HIGHWAY 7 CULVER MN 557798033, CULVER, MN 55779-8033

Mortgage

Document Number	00A1365315
Date	Oct 14, 2019
Instrument	A1365315

Lender

Name	US BK
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Oct 13, 2049

Interest

Rate Type	Adjustable Rate

August 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 4, 2017
Property Address	6132 HIGHWAY 7, CULVER, MN 55779-8033
Document Number	00A1314703
Instrument Date	Jul 31, 2017
Instrument	A1314703
Transaction Type	Transfer
Record Updated	Aug 16, 2017
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6132 HIGHWAY 7 CULVER MN 557798033, CULVER, MN 55779-8033

Mortgage

Document Number	A1314704
Date	Aug 4, 2017
Instrument	A1314704

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 2047

Mortgage

Document Number	A1314705,
Date	Aug 4, 2017
Instrument	A1314705

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Aug 3, 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
County Subdivision	New Independence Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,032.00 (+10.26%) Homeowner's exemption
2025	$936.00 (-16.87%) Homeowner's exemption	$195,100 (+6.21%) Land $49,000 Building $146,100	$195,100 (+6.21%) Land $49,000 Building $146,100
2024	$1,126.00	$183,700 (+7.74%) Land $49,000 Building $134,700	$183,700 (+7.74%) Land $49,000 Building $134,700
2022		$170,500 Land $35,700 Building $134,800	$170,500 Land $35,700 Building $134,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 10 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	115 / 7

May also be available: T-Mobile.

Cell Coverage

5G and 4G LTE (outdoors only)

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