5486 Spruce St, Aurora, MN 55705 Property Records

St. Louis County property record for 5486 Spruce St, Aurora, MN 55705

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,048 sqft · built 1981
Lot Size	0.95 acres (41,382 sqft)
Owner	Individual Name on Record
Tax Bill	$1,834 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`570-0022-00712`

Property Details

APN / Parcel Number

Primary APN	`570-0022-00712`
Alternative APN	`1093691`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,048 sqft Gross Area
1st Floor Area	1,048 sqft
Basement Area	912 sqft
Finished Basement	912 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1981
Effective Year Built	Effective 1981
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Lot Area	41,382 sqft (0.95 acres)
Garage Area	864 sqft

Exterior Amenities

Deck Area	180 sqft
Gazebo	174 sqft
Storage Building	96 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1093691
Street Address	5486 SPRUCE ST
City	AURORA
State	MN
Zip	55705-1533
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	N 136.5 FT OF S 396.5 FT OF N 629.52 FTOF W 330 FT OF NE1/4 OF NW1/4 SERIAL #
Legal Range	15W
Legal Township	58N
Legal Section	15
Legal Subdivision	WHITE TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	WHITE
Census Block Group	2
Census Block	2078
Census Tract	13900

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	5486 SPRUCE ST, AURORA, MN 55705-1533
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5486 SPRUCE ST, AURORA, MN 55705-1533
Document Number	00A1387091
Instrument Date	Jul 23, 2020
Transaction Type	Mortgage
Record Updated	Sep 18, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5486 SPRUCE ST AURORA MN 557051533, AURORA, MN 55705-1533

Mortgage

Document Number	00A1387091
Date	Aug 5, 2020
Instrument	A1387091

Lender

Name	MANN MTG
Type	Mortgage Company
Address	KALISPELL, MT 59901

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 4, 2050

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	White Township
Unified School District	Mesabi East School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,834.00 (+37.69%) Homeowner's exemption
2025	$1,332.00 (-18.88%) Homeowner's exemption	$221,600 (+26.05%) Land $17,200 Building $204,400	$221,600 (+26.05%) Land $17,200 Building $204,400
2024	$1,642.00	$175,800 (+20.08%) Land $16,400 Building $159,400	$175,800 (+20.08%) Land $16,400 Building $159,400
2022		$146,400 Land $15,100 Building $131,300	$146,400 Land $15,100 Building $131,300

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 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 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 66% of the US · above 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 45 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Zito Media Fiber	1,000 / 1,000
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50