521 Spruce St, Eagan (Saint Paul), MN 55123 Property Records

Dakota County property record for 521 Spruce St, Eagan, MN 55123

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,468 sqft · built 1998
Lot Size	0.282 acres (12,277 sqft)
Owner	2 Individual Names on Record
Last Sale	$53,000 (Apr 1999)
Tax Bill	$6,232 (2025)
Deeds & Mortgages	Apr 2018 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`10-57650-01-140`

Property Details

APN / Parcel Number

Primary APN	`10-57650-01-140`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,468 sqft Living Area
Gross Area	3,130 sqft
1st Floor Area	1,429 sqft

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2001
Construction Type	Wood
Lot Area	12,277 sqft (0.282 acres)
Garage Type	Attached
Garage Area	662 sqft
Parking Spaces	2 Parking Spaces

Location & Zoning

Street Address	521 SPRUCE ST
City	SAINT PAUL
State	MN
Zip	55123-4910
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PINETREE FOREST 14 1
Legal Subdivision	PINETREE FOREST
Legal Block	1
Legal Lot Number	140
Jurisdiction	DAKOTA MN
Township / Civil Division	EAGAN
Census Block Group	2
Census Block	2016
Census Tract	60732

Owner

Source: Dakota County records, as of May 27, 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	521 SPRUCE ST, SAINT PAUL, MN 55123-4910
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 27, 1999 · Amount on Record
Deed Sale	Apr 27, 1999 · Amount on Record
Prior Sale	Apr 27, 1999 · Amount on Record
Deed Document Number	1999149237
Last Transfer Date	Jun 18, 2015
Transfer Doc	0000749091
Record Updated	Sep 20, 2026

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	DAKOTA MN
Property Address	521 SPRUCE ST, EAGAN, MN 55123-4910
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000790553
Date	Apr 5, 2018
Instrument	790553

Lender

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

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	179 Months
Due	Mar 20, 2033

Tax Assessment & Valuation

Source: Dakota County assessment roll, as of May 27, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Dakota County
Municipality	Eagan City
Unified School District	Rosemount-Apple Valley-Eagan (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$6,232.00	$530,400 Land $168,600 Building $361,800	$530,400 Land $168,600 Building $361,800

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 October 4, 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

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 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	Eagan serves 68,223 people · EPA ID MN1190007
Water Source	Groundwater
Last State Inspection	May 2025
Lead	Under 1 ppb (2023–2025) 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 179 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink.

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