Koochiching County property record for 2106 Spruce St, Ranier, MN 56668
| Property Type | Single Family Home |
|---|---|
| Details | 1,124 sqft · built 1940 |
| Lot Size | 0.12 acres (5,121 sqft) |
| Owner | Individual Name on File |
| Last Sale | $45,000 (Aug 2015) |
| Tax Bill | $1,112 (2026) |
| Deeds & Mortgages | May 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 98-001-21080 |
| Primary APN | 98-001-21080 |
|---|---|
| Alternative APN |
|
| Building Area | 1,124 sqft Gross Area |
|---|---|
| 1st Floor Area | 1,124 sqft |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Raised |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,121 sqft (0.12 acres) |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 28 sqft |
| Storage Building | 96 sqft |
| Cooling System | Central |
|---|
| Account Number | 20355 |
|---|---|
| Street Address | 2106 SPRUCE ST |
| City | RANIER |
| State | MN |
| Zip | 56668-1002 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | S 2/3 LOTS 8 & 10 BLK 21 |
| Legal Block | 21 |
| Legal Lot Number | 8,10 |
| Jurisdiction | KOOCHICHING MN |
| Township / Civil Division | RANIER |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 790300 |
2106 Spruce St is owned and occupied by an individual who bought it in August 2015.
Source: Koochiching County records, as of October 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | PO BOX 321, RANIER, MN 56668-0321 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 21, 2015 · Amount on File |
| Deed Sale | Aug 21, 2015 · Amount on File |
| Deed Document Number | 2015396778 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KOOCHICHING MN |
| Property Address | 2106 SPRUCE ST, RANIER, MN 56668-1002 |
| Transaction Type | Mortgage |
| Record Updated | Apr 14, 2026 |
| Name | Verified Name |
|---|
| Document Number | A000290069 |
|---|---|
| Date | May 29, 2018 |
| Instrument | A000290069 |
| Name | TRUSTAR FCU |
|---|---|
| Type | Credit Union |
| Amount | Amount on Record |
|---|---|
| Term | 56 Months |
| Due | Jan 1, 2023 |
The 2026 property tax bill for 2106 Spruce St was $1,112 with a homeowner's exemption, up 49.1% from the year before.
Source: Koochiching County assessment roll, as of April 14, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Koochiching County |
| Municipality | Ranier City |
| Unified School District | International Falls School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,112.00 (+49.06%) Homeowner's exemption | ||
| 2025 | $746.00 (+12.01%) | $113,500 (+38.58%) Land $2,900 Building $110,600 | $113,500 (+38.58%) Land $2,900 Building $110,600 |
| 2024 | $666.00 Homeowner's exemption | $81,900 Land $2,900 Building $79,000 | $81,900 Land $2,900 Building $79,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2106 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 |
|
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 2106 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 |
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 | 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 |
| 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 90 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 2,000 / 1,000 |
5G and 4G LTE (outdoors only)
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