521 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 521 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,507 sqft · built 1920
Lot Size	0.146 acres (6,371 sqft)
Owner	Company Name on File
Last Sale	$150,000 (Aug 2008)
Tax Bill	$4,120 (2026)
Deeds & Mortgages	Oct 2021 Transfer Oct 2021 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00170`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00170`
Alternative APN	`1118175`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,507 sqft Gross Area
1st Floor Area	1,100 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Lot Area	6,371 sqft (0.146 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	84 sqft
Deck Area	92 sqft
Storage Building	160 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Account Number	1118175
Street Address	521 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2153
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:002 SERIAL #
Legal Subdivision	MORLEY HEIGHTS DULUTH
Legal Block	2
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2013
Census Tract	500

Owner

521 Spear Ave is owned by a company that acquired it in September 2021.

Source: St. Louis County records, as of August 17, 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	Company Name on File
Mailing Address	4515 CAMBRIDGE ST, DULUTH, MN 55804-2314
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Oct 4, 2021	Quit Claim Deed, Transfer Quitclaim
Oct 4, 2021	Quit Claim Deed, Transfer Quitclaim
Mar 17, 2017	Grant Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2008 · Amount on File
Deed Sale	Aug 21, 2008 · Amount on File
Prior Sale	May 28, 2004 · Amount on File
Deed Document Number	2008857536
Last Transfer Date	Sep 30, 2021
Transfer Doc	0001047715
Record Updated	Sep 20, 2026

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 4, 2021
Property Address	521 SPEAR AVE, DULUTH, MN 55803-2153
Document Number	0001047715
Instrument Date	Sep 30, 2021
Instrument	1047715
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 CAMBRIDGE ST, DULUTH, MN 55804-3738

October 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 4, 2021
Property Address	521 SPEAR AVE, DULUTH, MN 55803-2153
Document Number	0001426245
Instrument Date	Sep 30, 2021
Instrument	1426245
Transaction Type	Transfer
Record Updated	Oct 27, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4515 CAMBRIDGE ST, DULUTH, MN 55804-3738

March 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 17, 2017
Property Address	521 SPEAR AVE, DULUTH, MN 55803-2153
Document Number	000T983108
Instrument Date	Mar 10, 2017
Instrument	T983108
Transaction Type	Transfer
Record Updated	Apr 4, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount on Record
Tax	$528.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4515 CAMBRIDGE ST DULUTH MN 558043738, DULUTH, MN 55804-3738

Tax Assessment & Valuation

The 2026 property tax bill for 521 Spear Ave was $4,120, up 4.6% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,120.00 (+4.57%)
2025	$3,940.00 (+8.24%)	$304,800 (+6.35%) Land $45,100 Building $259,700	$304,800 (+6.35%) Land $45,100 Building $259,700
2024	$3,640.00	$286,600 Land $42,000 Building $244,600	$286,600 Land $42,000 Building $244,600
2022		$222,400 Land $28,800 Building $193,600	$222,400 Land $28,800 Building $193,600

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

Flood

FEMA maps place 521 Spear Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · 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 Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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 521 Spear Ave 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	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
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 335 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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