St. Louis County property record for 6987 Culbertson Rd, Two Harbors, MN 55616
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.75 ba · 1,531 sqft · built 2002 |
| Lot Size | 10 acres (435,600 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,628 (2026) |
| Deeds & Mortgages | Dec 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 315-0020-00312 |
| Primary APN | 315-0020-00312 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.75 Baths |
| Total Rooms | 3 Rooms |
| Stories | 2 Stories |
| Building Area | 1,531 sqft Gross Area |
| 1st Floor Area | 1,037 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2002 |
| Exterior Material | Wood |
| Construction Type | Frame |
| Lot Area | 435,600 sqft (10 acres) |
| Garage Area | 5,085 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 253 sqft |
| Cabin | 195 sqft |
| Storage Building | 240 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating System | Central |
| Heating Fuel | Gas |
| Account Number | 676818 |
|---|---|
| Street Address | 6987 CULBERTSON RD |
| City | TWO HARBORS |
| State | MN |
| Zip | 55616-8047 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | FAM |
| Legal Description | S1/2 OF N1/2 OF NE1/4 OF SE1/4 SERIAL # |
| Legal Range | 12W |
| Legal Township | 52N |
| Legal Section | 02 |
| Legal Subdivision | DULUTH TOWN OF |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 10500 |
6987 Culbertson Rd, a single family home, is owned by an individual.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 5461 N SHORE DR, DULUTH, MN 55804-2918 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Property Address | 6987 CULBERTSON RD, TWO HARBORS, MN 55616-8047 |
| Document Number | 00A1347601 |
| Instrument Date | Dec 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Jan 18, 2019 |
| Name | Verified Name |
|---|---|
| Address | 6987 CULBERTSON RD TWO HARBORS MN 556168047, TWO HARBORS, MN 55616-8047 |
| Document Number | 00A1347601 |
|---|---|
| Date | Jan 3, 2019 |
| Instrument | A1347601 |
| Name | NATIONAL BK/COMMERCE |
|---|---|
| Type | Bank |
| Address | SUPERIOR, WI 54880 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jan 2, 2024 |
| Rate Type | Adjustable Rate |
|---|
The 2026 property tax bill for 6987 Culbertson Rd was $3,628, up 10.2% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Duluth Township |
| Unified School District | Lake Superior Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,628.00 (+10.21%) | ||
| 2025 | $3,292.00 (+10.77%) | $428,400 (+11.16%) Land $73,600 Building $354,800 | $428,400 (+11.16%) Land $73,600 Building $354,800 |
| 2024 | $2,972.00 | $385,400 Land $70,500 Building $314,900 | $385,400 Land $70,500 Building $314,900 |
| 2022 | $333,800 Land $60,500 Building $273,300 | $333,800 Land $60,500 Building $273,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 6987 Culbertson Rd in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1993.
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 Claims | 2 (1993) |
| Most Recent Claim | May 1993 · erosion |
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 risk around 6987 Culbertson Rd is low, with a 0.01% annual chance of 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.
Source: FCC Broadband Data Collection, based on 9 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Zito Media Fiber | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
4G LTE (outdoors only), no 5G reported
Search by:
By searching, you agree to: Terms • Privacy • Disclosures