514 Spruce Ct N, Cambridge, MN 55008 Property Records

Isanti County property record for 514 Spruce Ct N, Cambridge, MN 55008

Property Summary

Property Type	Single Family Home
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on Record
Last Sale	$432,900 (Apr 2026)
Tax Bill	$688 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`15.322.0700`

Property Details

APN / Parcel Number

Primary APN	`15.322.0700`

Exterior

Lot Area	26,136 sqft (0.6 acres)

Location & Zoning

Street Address	514 SPRUCE CT N
City	CAMBRIDGE
State	MN
Zip	55008-2903
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME CAMBRIDGE COVE LOT 031 BLOCK 003 SUBDIVISIONCD 15322
Legal Range	023
Legal Township	036
Legal Section	30
Legal Subdivision	CAMBRIDGE COVE
Legal Block	3
Legal Lot Number	31
Jurisdiction	ISANTI MN
Township / Civil Division	CAMBRIDGE
Census Block Group	1
Census Block	1055
Census Tract	130302

Owner

Source: Isanti County records, as of August 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	514 SPRUCE CT N, CAMBRIDGE, MN 55008-2903
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 3, 2026	Warranty Deed · Conventional Mortgage BURNETT TITLE, BURNET TITLE
Apr 3, 2026	Warranty Deed · Conventional Mortgage BURNETT TITLE, BURNET TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 3, 2026 · Amount on Record
Deed Sale	Apr 3, 2026 · Amount on Record
Deed Document Number	2026543959
Record Updated	Oct 29, 2026

April 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	ISANTI MN
Recording Date	Apr 3, 2026
Property Address	514 SPRUCE CT N, CAMBRIDGE, MN 55008-2903
Document Number	0000543959
Instrument Date	Mar 27, 2026
Instrument	2026543959
Record Updated	Apr 17, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144,285.57
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	514 SPRUCE CT N, CAMBRIDGE, MN 55008-2903

Mortgage

Document Number	0000543960,
Date	Apr 3, 2026
Instrument	2026543960

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000543961,
Date	Apr 3, 2026
Instrument	2026543961

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Apr 1, 2036

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	ISANTI MN
Recording Date	Apr 3, 2026
Property Address	514 SPRUCE CT N, CAMBRIDGE, MN 55008-2903
Document Number	000A543959
Instrument Date	Mar 27, 2026
Instrument	2026543959
Record Updated	Jul 2, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$144,285.57
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	514 SPRUCE CT N, CAMBRIDGE, MN 55008-2903

Mortgage

Document Number	0000543960,
Date	Apr 3, 2026
Instrument	2026543960

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000543961,
Date	Apr 3, 2026
Instrument	2026543961

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Apr 1, 2036

Interest

Rate	6.01%
Max Rate	-1%

Tax Assessment & Valuation

Source: Isanti County assessment roll, as of August 10, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Isanti County
Municipality	Cambridge City
Unified School District	Cambridge-Isanti Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$688.00	$380,600 (+592%) Land $55,000 Building $325,600	$380,600 (+592%) Land $55,000 Building $325,600
2025		$55,000 (+83.33%) Land $55,000	$55,000 (+83.33%) Land $55,000
2023		$30,000 Land $30,000	$30,000 Land $30,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective January 25, 2024 · 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	2 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

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

Wildfire Risk	Low lower than 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
ECE Fiber Fiber	2,000 / 2,000
Midco Cable	2,000 / 350
Windstream DSL	200 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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