2104 Spruce St, Ranier, MN 56668 Property Records

Koochiching County property record for 2104 Spruce St, Ranier, MN 56668

Property Summary

Property Type	Single Family Home
Details	772 sqft · built 1930
Lot Size	0.34 acres (14,966 sqft)
Owner	Individual Name on File
Last Sale	$75,000 (Oct 2025)
Tax Bill	$672 (2026)
Deeds & Mortgages	Dec 2007 Line of Credit Dec 2008 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`98-001-21040`

Property Details

APN / Parcel Number

Primary APN	`98-001-21040`
Alternative APN	`20354`

Interior

Building Area	772 sqft Gross Area
1st Floor Area	772 sqft

Exterior

Year Built	Built 1930
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	14,966 sqft (0.34 acres)
Garage Area	560 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab
Porch Area	96 sqft
Deck Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central

Location & Zoning

Account Number	20354
Street Address	2104 SPRUCE ST
City	RANIER
State	MN
Zip	56668-1020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 4 & 7 & N 1/3 LOT 8 & 10 BLK 21
Legal Block	21
Legal Lot Number	4,7
Jurisdiction	KOOCHICHING MN
Township / Civil Division	RANIER
Census Block Group	1
Census Block	1037
Census Tract	790300

Owner

2104 Spruce St is owned and occupied by an individual who bought it in October 2025.

Source: Koochiching County records, as of October 22, 2026

Owner of Record	Individual Name on File
Mailing Address	PO BOX 291, RANIER, MN 56668-0291
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.

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2007	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Dec 1, 2008	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Oct 10, 2025	Warranty Deed, Transfer MINNESOTA TITLE AND ABSTRACT COMPANY, MINNESOTA TITLE & ABSTRACT C
Dec 9, 2013	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 9, 2025 · Amount on File
Deed Sale	Oct 9, 2025 · Amount on File
Prior Sale	Dec 9, 2013 · Amount on File
Deed Document Number	20251814405
Record Updated	Oct 29, 2026

December 2007: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOCHICHING MN
Property Address	2104 SPRUCE ST, RANIER, MN 56668-1020
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000261227
Date	Dec 6, 2007
Instrument	A000261227

Lender

Name	BREMER BANK NA
Type	Bank
Address	INTERNATIONAL FALLS, MN 56649

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Nov 3, 2008

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2008: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	KOOCHICHING MN
Property Address	2104 SPRUCE ST, RANIER, MN 56668-1020
Transaction Type	Mortgage
Record Updated	Apr 14, 2026
Title Company	ACCOMODATION, ACCOMMODATION

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000264348
Date	Dec 1, 2008
Instrument	A000264348

Lender

Name	BREMER BANK NA
Type	Bank
Address	INTERNATIONAL FALLS, MN 56649

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	59 Months
Due	Nov 3, 2013

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOCHICHING MN
Recording Date	Oct 10, 2025
Property Address	2104 SPRUCE ST, RANIER, MN 56668-1020
Document Number	A000307394
Instrument Date	Oct 9, 2025
Instrument	A000307394
Transaction Type	Transfer
Record Updated	Apr 14, 2026
Title Company	MINNESOTA TITLE AND ABSTRACT COMPANY, MINNESOTA TITLE & ABSTRACT C

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	PO BOX 291, RANIER, MN 56668-0291

December 2013: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	KOOCHICHING MN
Recording Date	Dec 9, 2013
Property Address	2104 SPRUCE ST, RANIER, MN 56668-1020
Document Number	A000279411
Instrument Date	Dec 6, 2013
Instrument	A000279411
Transaction Type	Transfer
Record Updated	Apr 14, 2026

Transaction

Amount	Amount on Record
Tax	$148.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 364, RANIER, MN 56668-0364

Tax Assessment & Valuation

The 2026 property tax bill for 2104 Spruce St was $672 with a homeowner's exemption.

Source: Koochiching County assessment roll, as of April 14, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Koochiching County
Municipality	Ranier City
Unified School District	International Falls School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$672.00 Homeowner's exemption
2025	$672.00 (-8.2%)	$71,600 (+35.09%) Land $6,500 Building $65,100	$71,600 (+35.09%) Land $6,500 Building $65,100
2024	$732.00	$53,000 Land $6,500 Building $46,500	$53,000 Land $6,500 Building $46,500

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

Flood

FEMA maps place 2104 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 November 16, 2022 · 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
Flood Insurance Cost	Premium on File median of 18 policies
Nearby Flood Policies	18 in force
Nearby Flood Claims	13 (2001–2022)
Claims Outside the SFHA	1 of 13
Most Recent Claim	Jul 2022 · river or lake flooding
Claims by Event	Severe Storms, Straight-line Winds, And Flooding, Jun 2022 · 6 claims Severe Storms, Straight-line Winds, Flooding, Landslides, And Mudslides, Jun 2014 · 3 claims

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 2104 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	None beyond 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	Ranier serves 565 people · EPA ID MN1360006
Water Source	Purchased surface water from International Falls
Last State Inspection	Nov 2025
Lead	Under 1 ppb (2021–2023) 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 73 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 1,000

Cell Coverage

5G and 4G LTE (outdoors only)

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