5840 Spruce Ln, Duluth, MN 55811 Property Records

St. Louis County property record for 5840 Spruce Ln, Duluth, MN 55811

Property Summary

Property Type	Single Family Home
Details	1 ba
Lot Size	0.504 acres (21,975 sqft)
Owner	Individual Name on Record
Tax Bill	$1,032 (2026)
Deeds & Mortgages	Nov 2022 Mortgage Apr 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`280-0050-00460`

Property Details

APN / Parcel Number

Primary APN	`280-0050-00460`
Alternative APN	`968842`

Interior

Full Baths	1 Bath
Stories	1 Story

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	21,975 sqft (0.504 acres)
Garage Area	2,752 sqft

Location & Zoning

Account Number	968842
Street Address	5840 SPRUCE LN
City	DULUTH
State	MN
Zip	55811-9617
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0046 BLOCK:000 SERIAL #
Legal Subdivision	GREENWOOD PARK
Legal Lot Number	46
Jurisdiction	ST LOUIS MN
Township / Civil Division	CANOSIA
Census Block Group	3
Census Block	3015
Census Tract	10602

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	5841 SPRUCE LN, DULUTH, MN 55811-9617
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 22, 2022	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Apr 26, 2018	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5840 SPRUCE LN, DULUTH, MN 55811-9617
Transaction Type	Mortgage
Record Updated	Dec 19, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001063788
Date	Nov 22, 2022
Instrument	1063788

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 14, 2052

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	5840 SPRUCE LN, DULUTH, MN 55811-9617
Document Number	000T997936
Instrument Date	Apr 26, 2018
Transaction Type	Mortgage
Record Updated	Jun 1, 2018

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5841 SPRUCE LN DULUTH MN 558119617, DULUTH, MN 55811-9617

Mortgage

Document Number	000T997936
Date	May 14, 2018
Instrument	T997936

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	May 13, 2038

Interest

Rate Type	Adjustable Rate

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	Canosia Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,032.00 (+6.83%) Homeowner's exemption
2025	$966.00 (-9.21%) Homeowner's exemption	$117,400 (-1.76%) Land $41,800 Building $75,600	$117,400 (-1.76%) Land $41,800 Building $75,600
2024	$1,064.00	$119,500 (+15.46%) Land $40,800 Building $78,700	$119,500 (+15.46%) Land $40,800 Building $78,700
2022		$103,500 Land $36,300 Building $67,200	$103,500 Land $36,300 Building $67,200

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	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 77 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Midco Cable	250 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, Verizon.

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