578 Spruce St, Dickinson, ND 58601 Property Records

Stark County property record for 578 Spruce St, Dickinson, ND 58601

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,264 sqft · built 1978
Lot Size	0.203 acres (8,886 sqft)
Owner	Individual Name on File
Last Sale	$276,500 (Nov 2019)
Tax Bill	$3,429 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jan 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`41-1440-11001-000`

Property Details

APN / Parcel Number

Primary APN	`41-1440-11001-000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,264 sqft Living Area
Basement Area	944 sqft
Finished Basement	944 sqft
Flooring	Combination, Other
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Architectural Style	A-Frame
Exterior Material	Composition/Composite
Construction Type	Frame
Foundation Type	Concrete
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,886 sqft (0.203 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Deck Area	427 sqft
Patio Area	308 sqft

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	578 SPRUCE ST
City	DICKINSON
State	ND
Zip	58601-5829
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, BLOCK 11, HEART RIVER 2ND SUBDIVISION
Legal Subdivision	HEART RIVER(1440)
Legal Block	11
Legal Lot Number	10
Jurisdiction	STARK ND
Township / Civil Division	DICKINSON
Census Block Group	2
Census Block	2001
Census Tract	963800

Owner

578 Spruce St is owned and occupied by an individual who bought it in November 2019.

Source: Stark County records, as of February 20, 2026

Owner of Record	Individual Name on File
Co-owner	Co-owner on File
Mailing Address	578 SPRUCE ST, DICKINSON, ND 58601-5829
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jan 25, 2022	Deed of Trust, Mortgage · FHA Mortgage NORTH DAKOTA HOUSING FINANCE AGENCY
Nov 14, 2019	Warranty Deed, Transfer · FHA Mortgage GUILD MORTGAGE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 14, 2019 · Amount on File
Deed Sale	Nov 14, 2019 · Amount on File
Prior Sale	Mar 24, 2015
Deed Document Number	3155173
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STARK ND
Recording Date	Jul 23, 2026
Property Address	578 SPRUCE ST, DICKINSON, ND 58601-5829
Document Number	0003194046
Instrument Date	Jul 8, 2026
Instrument	20263194046
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 SPRUCE ST, DICKINSON, ND 58601-5829

Mortgage

Document Number	0003194046,
Date	Jul 23, 2026
Instrument	20263194046

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	281 Months
Due	Dec 1, 2049

Interest

Rate	6.52%
Max Rate	-1%

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STARK ND
Property Address	578 SPRUCE ST, DICKINSON, ND 58601-5829
Transaction Type	Mortgage
Record Updated	Feb 16, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	578 SPRUCE ST, DICKINSON, ND 58601-5829

Mortgage

Document Number	0003170485
Date	Jan 25, 2022
Instrument	3170485

Lender

Name	NORTH DAKOTA HOUSING FINANCE AGENCY
Type	Government Agency
Address	BISMARCK, ND 58502

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	335 Months
Due	Dec 1, 2049

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STARK ND
Recording Date	Nov 14, 2019
Property Address	578 SPRUCE ST, DICKINSON, ND 58601-5829
Document Number	0003155173
Instrument Date	Nov 8, 2019
Instrument	3155173
Transaction Type	Transfer
Record Updated	Feb 18, 2022
Title Company	NORTH DAKOTA GUARANTY & TTL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	578 SPRUCE ST, DICKINSON, ND 58601-5829

Mortgage

Document Number	0003155174
Date	Nov 14, 2019
Instrument	3155174

Lender

Name	GUILD MORTGAGE CO
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

Tax Assessment & Valuation

The 2025 property tax bill for 578 Spruce St was $3,429.

Source: Stark County assessment roll, as of October 1, 2025

Property Jurisdictions

Type	Name
State	North Dakota
County	Stark County
Municipality	Dickinson City
Unified School District	Dickinson Public School District 1 (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,429.00	$276,400 Land $31,200 Building $245,200	$552,800 Land $62,400 Building $490,400
2023		$276,400 Land $31,200 Building $245,200	$552,800 Land $62,400 Building $490,400
2022	$2,716.00

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

Flood

FEMA maps place 578 Spruce St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective August 27, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 9 (5% premium discount)
Nearby Flood Policies	7 in force
Nearby Flood Claims	4 (1978–2011)
Most Recent Claim	Apr 2011 · Flooding

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 578 Spruce St is low, with less than 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 96% of the US · lower than 87% of North Dakota
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	CITY OF DICKINSON serves 25,679 people · EPA ID ND4500242
Water Source	Purchased surface water from SOUTHWEST WATER AUTHORITY
Last State Inspection	May 2023
Lead	5 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 347 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Consolidated Communications Networks Fiber	1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Spruce St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures