Houston County property record for 206 W Spruce St, Houston, MN 55943
| Property Type | Duplex |
|---|---|
| Details | 4 bd · 2 ba · 2,808 sqft · built 1907 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on File |
| Last Sale | $135,000 (Oct 2020) |
| Tax Bill | $4,012 (2026) |
| Deeds & Mortgages | Dec 2017 Mortgage Oct 2019 Refinance + 1 more |
| Flood Zone | Zone X (reduced by levee) |
| APN | 24.0270.000 |
| Primary APN | 24.0270.000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Plumbing Fixtures | 6 Plumbing Fixtures |
| Stories | 2 Stories |
| Building Area | 2,808 sqft Living Area |
| 1st Floor Area | 992 sqft |
| Basement Area | 992 sqft |
| Finished Basement | 992 sqft |
| Unfinished Basement | 992 sqft |
| Flooring | Wood |
| Interior Walls | Plaster |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1907 |
|---|---|
| Effective Year Built | Effective 1907 |
| Architectural Style | Other |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Dimensions | 180 ft deep x 70 ft wide |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 264 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Gravity Furnace |
| Heating Fuel | Gas |
| Street Address | 206 W SPRUCE ST |
|---|---|
| City | HOUSTON |
| State | MN |
| Zip | 55943-8626 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Legal Description | SECT-33 TWP-104 RANGE-006 MONS ANDERSONS ADTN HOUSTON LOT-999 BLOCK-038 W1/2 LOTS 8-9-10 - BLK 38 MONS ANDERSON'S ADD DOC 195 |
| Legal Range | 06 |
| Legal Township | 104 |
| Legal Section | 33 |
| Legal Subdivision | MONS ANDERSONS ADTN HOUSTON |
| Legal Block | 38 |
| Legal Lot Number | 8-10 |
| Jurisdiction | HOUSTON MN |
| Township / Civil Division | HOUSTON |
| Census Block Group | 2 |
| Census Block | 2043 |
| Census Tract | 20300 |
206 W Spruce St, a duplex, is owned and occupied by an individual who bought it in October 2020.
Source: Houston County records, as of September 23, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 206 W SPRUCE ST, HOUSTON, MO 65483-1126 |
| 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 |
|---|---|
| Dec 21, 2017 | Deed of Trust, Mortgage BREMER BANK |
| Oct 9, 2019 | Deed of Trust, Mortgage · Stand-Alone Refinance OLD NATIONAL BANK |
| Oct 1, 2020 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2020 · Amount on File |
| Deed Sale | Oct 1, 2020 · Amount on File |
| Deed Document Number | 2020299803 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON MN |
| Property Address | 206 W SPRUCE ST, HOUSTON, MN 55943-8626 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000000289812 |
|---|---|
| Date | Dec 21, 2017 |
| Instrument | 000000289812 |
| Name | BREMER BANK |
|---|
| Amount | Amount on Record |
|---|---|
| Term | 337 Months |
| Due | Jan 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | HOUSTON MN |
| Property Address | 206 W SPRUCE ST, HOUSTON, MN 55943-8626 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 000A295800 |
|---|---|
| Date | Oct 9, 2019 |
| Instrument | A295800 |
| Name | OLD NATIONAL BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Nov 1, 2029 |
| Document Type | Deed |
|---|---|
| Jurisdiction | HOUSTON MN |
| Recording Date | Oct 1, 2020 |
| Property Address | 206 W SPRUCE ST, HOUSTON, MN 55943-8626 |
| Document Number | 000A299803 |
| Instrument Date | Aug 4, 2020 |
| Instrument | A299803 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 206 W SPRUCE ST, HOUSTON, MO 65483-1126 |
The 2026 property tax bill for 206 W Spruce St was $4,012 with a homeowner's exemption.
Source: Houston County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Houston County |
| Municipality | Houston City |
| Unified School District | Houston Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,012.00 Homeowner's exemption | $232,500 Land $26,500 Building $206,000 | $232,500 Land $26,500 Building $206,000 |
| 2025 | $4,012.00 | ||
| 2023 | $2,612.00 | $200,400 Land $15,100 Building $185,300 | $200,400 Land $15,100 Building $185,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 206 W Spruce St in Zone X, where a levee reduces flood risk, though there have been 2 flood claims nearby since 1978.
Source: FEMA National Flood Hazard Layer, effective January 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X reduced by levee · depends on levee performance |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 2 (1978–2013) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Jun 2013 · Severe Storms, Straight-line Winds, And Flooding |
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 206 W 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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | Houston serves 997 people · EPA ID MN1280005 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2022–2024) 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 351 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Acentek Fiber | 1,000 / 1,000 |
| Mediacom Xtream Cable · Fiber in parts of the area | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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