2556 Spruce St, Saint Paul, MN 55117 Property Records

Ramsey County property record for 2556 Spruce St, Saint Paul, MN 55117

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,088 sqft · built 1970
Lot Size	0.229 acres (9,975 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,766 (2025)
Deeds & Mortgages	May 2026 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`07-29-22-21-0154`

Property Details

APN / Parcel Number

Primary APN	`07-29-22-21-0154`
Alternative APNs	`8591431` `656621`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Plumbing Fixtures	5 Plumbing Fixtures
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	1,088 sqft

Exterior

Year Built	Built 1970
Effective Year Built	Effective 1985
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Lot Area	9,975 sqft (0.229 acres)
Lot Dimensions	133 ft deep x 75 ft wide
Garage Type	Detached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas
Sewer	Municipal
Water Source	Commercial

Location & Zoning

Account Number	656621
Street Address	2556 SPRUCE ST
City	SAINT PAUL
State	MN
Zip	55117-1419
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NORTH HEIGHTS LOTS 15, 16 & LOT 17 BLK 10
Legal Range	22
Legal Township	29
Legal Section	07
Legal Subdivision	NORTH HEIGHTS
Legal Block	10
Legal Lot Number	15-17
Jurisdiction	RAMSEY MN
Township / Civil Division	LITTLE CANADA
Census Block Group	3
Census Block	3005
Census Tract	42101

Owner

Source: Ramsey County records, as of August 7, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2556 SPRUCE ST, SAINT PAUL, MN 55117-1419
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 12, 2026	Deed of Trust, Mortgage · Line of Credit LOANDEPOT.COM LLC
Jul 12, 2019	Deed of Trust, Mortgage · Conventional Mortgage PARAMOUNT BK
Apr 30, 2018	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 13, 2014
Transfer Doc	0004441118
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Recording Date	May 12, 2026
Property Address	2556 SPRUCE ST, SAINT PAUL, MN 55117-1419
Document Number	0005105692
Instrument Date	May 4, 2026
Instrument	20265105692
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2556 SPRUCE ST, SAINT PAUL, MN 55117-1419

Mortgage

Document Number	0005105692,
Date	May 12, 2026
Instrument	20265105692

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 29, 2056

Interest

Rate	6.46%
Max Rate	-1%

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2556 SPRUCE ST, LITTLE CANADA, MN 55117-1419
Document Number	0004766253
Instrument Date	Jul 12, 2019
Transaction Type	Mortgage
Record Updated	Aug 14, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2356 SPRUCE ST ST PAUL MN 55117, ST PAUL, MN 55117

Mortgage

Document Number	0004766253
Date	Jul 29, 2019
Instrument	4766253

Lender

Name	PARAMOUNT BK
Type	Bank
Address	SAINT LOUIS, MO 63141

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 28, 2049

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	RAMSEY MN
Property Address	2556 SPRUCE ST, LITTLE CANADA, MN 55117-1419
Document Number	0004709553
Instrument Date	Apr 30, 2018
Transaction Type	Mortgage
Record Updated	May 23, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	2556 SPRUCE ST LITTLE CANADA MN 551171419, LITTLE CANADA, MN 55117-1419

Mortgage

Document Number	0004709553
Date	May 11, 2018
Instrument	4709553

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	ST PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	May 10, 2033

Tax Assessment & Valuation

Source: Ramsey County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Ramsey County
Municipality	Little Canada City
Unified School District	Roseville Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$293,900 (+1.27%) Land $59,200 Building $234,700	$293,900 (+1.27%) Land $59,200 Building $234,700
2025	$3,766.00 (+10.57%) Homeowner's exemption	$290,200 (+5.53%) Land $59,200 Building $231,000	$290,200 (+5.53%) Land $59,200 Building $231,000
2024	$3,406.00 (+1.92%)
2023	$3,342.00 Homeowner's exemption	$275,000 Land $59,200 Building $215,800	$275,000 Land $59,200 Building $215,800

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 20, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	1 (1984)
Most Recent Claim	Jun 1984 · tidal / storm surge

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	Under 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	Little Canada serves 10,400 people · EPA ID MN1620005
Water Source	Purchased surface water from several systems
Last State Inspection	Dec 2024
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 266 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 2,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL · Fiber in parts of the area	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire.

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