6312 N Schelin Rd, Culver (Saginaw), MN 55779 Property Records

St. Louis County property record for 6312 N Schelin Rd, Culver, MN 55779

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,448 sqft · built 2004
Lot Size	2.5 acres (108,900 sqft)
Owner	Individual Name on Record
Tax Bill	$2,794 (2026)
Deeds & Mortgages	Dec 2022 Line of Credit Oct 2022 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`475-0010-03247`

Property Details

APN / Parcel Number

Primary APN	`475-0010-03247`
Alternative APN	`861698`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,448 sqft Gross Area
1st Floor Area	1,448 sqft
Basement Area	720 sqft
Finished Basement	720 sqft

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Mixed
Garage Area	780 sqft
Deck Area	28 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	861698
Street Address	6312 N SCHELIN RD
City	CULVER
State	MN
Zip	55779-8046
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	ELY 837 FT OF WLY 1560 FT OF NLY 200 FT OFSLY 450 FT OF LOT 3 & WLY 723 FT OF NLY 50 FTOF SLY 450 FT OF LOT 3 EX ALL THAT
Legal Range	17W
Legal Township	52N
Legal Section	20
Legal Subdivision	NEW INDEPENDENCE TOWN OF
Legal Lot Number	3T
Jurisdiction	ST LOUIS MN
Township / Civil Division	NEW INDEPENDENCE
Census Block Group	1
Census Block	1013
Census Tract	11101

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	6312 N SCHELIN RD, CULVER, MN 55779-8046
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 16, 2022	Deed of Trust, Mortgage · Line of Credit PARK STATE BANK & TRUST
Oct 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage PARK STATE BANK & TRUST

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6312 N SCHELIN RD, CULVER, MN 55779-8046
Transaction Type	Mortgage
Record Updated	Jan 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6312 N SCHELIN RD, CULVER, MN 55779-8046

Mortgage

Document Number	0001458693
Date	Dec 16, 2022
Instrument	1458693

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	DULUTH, MN 55803

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	118 Months
Due	Oct 5, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6312 N SCHELIN RD, CULVER, MN 55779-8046
Transaction Type	Mortgage
Record Updated	Nov 24, 2022
Title Company	NORTH SHORE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001453545
Date	Oct 5, 2022
Instrument	1453545

Lender

Name	PARK STATE BANK & TRUST
Type	Bank
Address	COOK, MN 55723

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

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	$2,794.00 (+19.1%) Homeowner's exemption
2025	$2,346.00 (-16.27%) Homeowner's exemption	$384,800 (+15.56%) Land $32,900 Building $351,900	$384,800 (+15.56%) Land $32,900 Building $351,900
2024	$2,802.00	$333,000 (+21.09%) Land $31,800 Building $301,200	$333,000 (+21.09%) Land $31,800 Building $301,200
2022		$275,000 Land $42,200 Building $232,800	$275,000 Land $42,200 Building $232,800

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	0.02% 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	10 / 1

Cell Coverage

5G (outdoors only) and 4G LTE

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