104 Spruce St, Bigfork, MN 56628 Property Records

Itasca County property record for 104 Spruce St, Bigfork, MN 56628

Property Summary

Property Type	Single Family Home
Details	3 bd · 672 sqft
Lot Size	0.16 acres (6,970 sqft)
Owner	2 Individual Names on File
Last Sale	$85,000 (Jan 2025)
Tax Bill	$1,508 (2026)
Deeds & Mortgages	Nov 2011 Mortgage Dec 2011 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`85-420-0840`

Property Details

APN / Parcel Number

Primary APN	`85-420-0840`
Alternative APNs	`148859` `69002`

Interior

Bedrooms	3 Beds
Stories	1 Story
Building Area	672 sqft Base Area
1st Floor Area	672 sqft

Exterior

Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Dimensions	140 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	1,008 sqft
Parking Spaces	4 Parking Spaces
Porch	Slab
Porch Area	192 sqft
Patio Area	144 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Account Number	148859
Street Address	104 SPRUCE ST
City	BIGFORK
State	MN
Zip	56628
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	M
Legal Description	LOTS 20-21 BLK 8 & ELY 20' OF ELM ST, AS
Legal Range	26W
Legal Township	61N
Legal Section	27
Legal Subdivision	FIRST ADDITION TO BIGFORK
Legal Block	8
Legal Lot Number	20-21
Jurisdiction	ITASCA MN
Township / Civil Division	BIGFORK
Census Block Group	1
Census Block	1090
Census Tract	480101

Owner

104 Spruce St is owned by two individuals who bought it in January 2025.

Source: Itasca County records, as of August 27, 2026

Owner of Record	2 Individual Names on File
Mailing Address	PO BOX 82, BIGFORK, MN 56628-0082
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.

Deeds, Mortgages & Sale History

Date	Document
Nov 29, 2011	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF BIGFORK
Dec 12, 2011	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF BIGFORK
Jun 13, 2012	Deed of Trust, Mortgage · Line of Credit FIRST STATE BANK OF BIGFORK
Mar 22, 2005	Deed of Trust, Mortgage · Conventional Mortgage FIRST STATE BANK OF BIGFORK
Jan 29, 2025	Warranty Deed, Subdivision Related Transfer · Stand-Alone First Mortgage FIRST STATE BANK OF BIGFORK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jan 29, 2025 · Amount on File
Deed Sale	Jan 29, 2025 · Amount on File
Prior Sale	Oct 6, 2010 · Amount on File
Deed Document Number	2025786086
Prior Transfer Date	Nov 2, 2016
Prior Transfer Doc	0000708064
Record Updated	Oct 29, 2026

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ITASCA MN
Property Address	104 SPRUCE ST, BIGFORK, MN 56628
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	NORTHWEST TITLE AGENCY INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000659152
Date	Nov 29, 2011
Instrument	A000659152

Lender

Name	FIRST STATE BANK OF BIGFORK
Address	BIGFORK, MN 56628

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Nov 23, 2014

Interest

Rate Type	Fixed Rate

December 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ITASCA MN
Property Address	104 SPRUCE ST, BIGFORK, MN 56628
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000659560
Date	Dec 12, 2011
Instrument	A000659560

Lender

Name	FIRST STATE BANK OF BIGFORK
Address	BIGFORK, MN 56628

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	35 Months
Due	Nov 23, 2014

June 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ITASCA MN
Property Address	104 SPRUCE ST, BIGFORK, MN 56628
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000665600
Date	Jun 13, 2012
Instrument	A000665600

Lender

Name	FIRST STATE BANK OF BIGFORK
Address	BIGFORK, MN 56628

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Jun 11, 2015

Interest

Rate	6.59%

March 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ITASCA MN
Property Address	104 SPRUCE ST, BIGFORK, MN 56628
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000583772
Date	Mar 22, 2005
Instrument	A000583772

Lender

Name	FIRST STATE BANK OF BIGFORK
Type	Bank
Address	BIGFORK, MN 56628

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	36 Months
Due	Mar 11, 2008

Interest

Rate Type	Fixed Rate

January 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	ITASCA MN
Recording Date	Jan 29, 2025
Property Address	104 SPRUCE ST, BIGFORK, MN 56628
Document Number	A000786086
Instrument Date	Jan 28, 2025
Instrument	A000786086
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 82, BIGFORK, MN 56628-0082

Mortgage

Document Number	A000786088
Date	Jan 29, 2025
Instrument	A000786088

Lender

Name	FIRST STATE BANK OF BIGFORK

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	61 Months
Due	Feb 1, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 104 Spruce St was $1,508.

Source: Itasca County assessment roll, as of August 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Bigfork City
County	Itasca County
Unified School District	Grand Rapids Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,508.00
2025		$95,900 Land $4,500 Building $91,400	$95,900 Land $4,500 Building $91,400
2024	$2,240.00
2022		$95,900 Land $4,500 Building $91,400	$95,900 Land $4,500 Building $91,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 104 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective March 10, 2025 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 104 Spruce St is low, with less than 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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Indirect within 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	Bigfork serves 397 people · EPA ID MN1310001
Water Source	Groundwater
Last State Inspection	Sep 2024
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
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.

Internet Providers

Source: FCC Broadband Data Collection, based on 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500

May also be available: T-Mobile.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures