Itasca County property record for 108 Spruce St, Bigfork, MN 56628
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,128 sqft · built 1987 |
| Lot Size | 0.48 acres (20,909 sqft) |
| Owner | Individual Name on File |
| Last Sale | $160,000 (Jul 2014) |
| Tax Bill | $2,987 (2026) |
| Deeds & Mortgages | Jul 2018 Mortgage Mar 2021 Refinance + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-410-0510 |
| Primary APN | 85-410-0510 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 1,128 sqft Base Area |
| 1st Floor Area | 1,128 sqft |
| Basement Area | 950 sqft |
| Finished Basement | 950 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Split Level |
| Construction Type | Frame |
| Foundation Type | Wood |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,909 sqft (0.48 acres) |
| Lot Dimensions | 140 ft deep x 150 ft wide |
| Garage Type | Detached |
| Garage Area | 1,488 sqft |
| Parking Spaces | 6 Parking Spaces |
| Deck Area | 160 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 150392 |
|---|---|
| Street Address | 108 SPRUCE ST |
| City | BIGFORK |
| State | MN |
| Zip | 56628 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | M |
| Legal Description | LOTS 1-3 BLOCK 5 |
| Legal Range | 26W |
| Legal Township | 61N |
| Legal Section | 27 |
| Legal Subdivision | BIGFORK VILLAGE |
| Legal Block | 5 |
| Legal Lot Number | 1-3 |
| Jurisdiction | ITASCA MN |
| Township / Civil Division | BIGFORK |
| Census Block Group | 1 |
| Census Block | 1088 |
| Census Tract | 480101 |
108 Spruce St is owned and occupied by an individual who bought it in July 2014.
Source: Itasca County records, as of September 29, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 108 SPRUCE ST, BIGFORK, MN 56628 |
| Occupancy | Owner Occupied |
| 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.
| Date | Document |
|---|---|
| Jul 11, 2018 | Deed of Trust, Mortgage FIRST HOME BANK |
| Mar 19, 2021 | Deed of Trust, Mortgage · Stand-Alone Refinance QUICKEN LOANS INC |
| Oct 1, 2025 | Personal Representative Deed, Transfer MORTGAGE RESEARCH CENTER LLC |
| Jul 18, 2014 | Warranty Deed, Transfer · VA Mortgage WOODLAND BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 18, 2014 · Amount on File |
| Deed Sale | Jul 18, 2014 · Amount on File |
| Deed Document Number | 2014686104 |
| Prior Transfer Date | Jan 23, 2013 |
| Prior Transfer Doc | 0000672376 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ITASCA MN |
| Property Address | 108 SPRUCE ST, BIGFORK, MN 56628 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000723670 |
|---|---|
| Date | Jul 11, 2018 |
| Instrument | A000723670 |
| Name | FIRST HOME BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 354 Months |
| Due | Jan 1, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ITASCA MN |
| Property Address | 108 SPRUCE ST, BIGFORK, MN 56628 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | A000750236 |
|---|---|
| Date | Mar 19, 2021 |
| Instrument | A000750236 |
| Name | QUICKEN LOANS INC |
|---|---|
| Type | Lending Institution |
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Apr 1, 2051 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | ITASCA MN |
| Recording Date | Oct 1, 2025 |
| Property Address | 108 SPRUCE ST, BIGFORK, MN 56628 |
| Document Number | A000791868 |
| Instrument Date | Sep 26, 2025 |
| Instrument | A000791868 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 108 SPRUCE ST, BIGFORK, MN 56628 |
| Document Number | A000791869 |
|---|---|
| Date | Oct 1, 2025 |
| Instrument | A000791869 |
| Name | MORTGAGE RESEARCH CENTER LLC |
|---|---|
| Type | Mortgage Company |
| Amount | Amount on Record |
|---|---|
| Term | 361 Months |
| Due | Nov 1, 2055 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ITASCA MN |
| Recording Date | Jul 18, 2014 |
| Property Address | 108 SPRUCE ST, BIGFORK, MN 56628 |
| Document Number | A000686104 |
| Instrument Date | Jul 1, 2014 |
| Instrument | A000686104 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2021 |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 455, BIGFORK, MN 56628-0455 |
| Investor | Possibly a Property Investor |
| Document Number | A000686105 |
|---|---|
| Date | Jul 18, 2014 |
| Instrument | A000686105 |
| Name | WOODLAND BANK |
|---|---|
| Type | Bank |
| Address | GRAND RAPIDS, MN 55744 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 11, 2044 |
The 2026 property tax bill for 108 Spruce St was $2,987, up 58.7% from the year before.
Source: Itasca County assessment roll, as of August 27, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Bigfork City |
| County | Itasca County |
| Unified School District | Grand Rapids Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,987.00 (+58.71%) | ||
| 2025 | $1,882.00 Homeowner's exemption | $184,900 (-0.43%) Land $20,800 Building $164,100 | $184,900 (-0.43%) Land $20,800 Building $164,100 |
| 2024 | $185,700 Land $20,800 Building $164,900 | $185,700 Land $20,800 Building $164,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 108 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 risk around 108 Spruce St 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: 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 |
| 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.
Source: FCC Broadband Data Collection, based on 41 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Arvig Fiber | 1,000 / 500 |
| T-Mobile Fixed Wireless | 100 / 20 |
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