Kandiyohi County property record for 604 Loretta Cir, Spicer, MN 56288
| Property Type | Single Family Home |
|---|---|
| Details | 1.5 ba · 1,430 sqft · built 2018 |
| Lot Size | 0.464 acres (20,232 sqft) |
| Owner | Individual Name on File |
| Last Sale | $28,000 (May 2018) |
| Tax Bill | $7,430 (2026) |
| Deeds & Mortgages | Dec 2025 Transfer Dec 2025 Line of Credit + 7 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-420-0110 |
| Primary APN | 85-420-0110 |
|---|
| Full Baths | 1.5 Baths |
|---|---|
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,430 sqft Total Area |
| 1st Floor Area | 686 sqft |
| Basement Area | 1,262 sqft |
| Finished Basement | 1,262 sqft |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 20,232 sqft (0.464 acres) |
| Garage Type | Attached |
| Garage Area | 876 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 54 sqft |
| Patio Area | 345 sqft |
| Street Address | 604 LORETTA CIR |
|---|---|
| City | SPICER |
| State | MN |
| Zip | 56288-4653 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LAKEVIEW RIDGE |
| Legal Range | 034 |
| Legal Township | 121 |
| Legal Section | 34 |
| Legal Subdivision | LAKEVIEW RIDGE |
| Legal Block | 1 |
| Legal Lot Number | 11 |
| Jurisdiction | KANDIYOHI MN |
| Township / Civil Division | SPICER |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 780400 |
604 Loretta Cir is owned and occupied by an individual who bought it in May 2018.
Source: Kandiyohi County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| 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.
| Date | Document |
|---|---|
| Dec 11, 2025 | Intrafamily Transfer, Transfer UNKNOWN, QUALITY TITLE |
| Dec 11, 2025 | Intrafamily Transfer, Transfer · Line of Credit HOME STATE BANK |
| Jun 8, 2023 | Deed of Trust, Mortgage · Conventional Mortgage MAGNIFI FINANCIAL CU |
| Oct 18, 2018 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK |
| Jul 1, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK |
| Apr 27, 2020 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MINNESOTA CU |
| Jun 6, 2018 | Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK |
| May 18, 2018 | Deed, Transfer QUALITY TITLE INC, QUALITY TITLE |
| May 11, 2018 | Deed, Transfer QUALITY TITLE INC, QUALITY TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2018 · Amount on File |
| Deed Sale | May 18, 2018 · Amount on File |
| Prior Sale | May 11, 2018 · Amount on File |
| Deed Document Number | 2018650595 |
| Record Updated | Oct 29, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | Dec 11, 2025 |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000712614 |
| Instrument Date | Dec 11, 2025 |
| Instrument | 712614 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Title Company | UNKNOWN, QUALITY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Name | Verified Name |
|---|---|
| Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | Dec 11, 2025 |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000712613 |
| Instrument Date | Oct 29, 2025 |
| Instrument | 712613 |
| Transaction Type | Transfer |
| Record Updated | Jan 7, 2026 |
| Title Company | QUALITY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000712617 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 712617 |
| Name | HOME STATE BANK |
|---|---|
| Type | Bank |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Dec 15, 2030 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000694961 |
|---|---|
| Date | Jun 8, 2023 |
| Instrument | 694961 |
| Name | MAGNIFI FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | Jun 1, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.63% |
| Adjustable | Adjustable Rate Rider |
| Type Change Date | Jun 1, 2020 |
| Change Frequency | Annually |
| Min Rate At Change | 4.63% |
| Max Rate At Change | 8.63% |
| Index | 3-Year CMT |
| Max Rate | 18% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000654206 |
|---|---|
| Date | Oct 18, 2018 |
| Instrument | 654206 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000659305 |
|---|---|
| Date | Jul 1, 2019 |
| Instrument | 659305 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 30, 2029 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000665892 |
|---|---|
| Date | Apr 27, 2020 |
| Instrument | 665892 |
| Name | CENTRAL MINNESOTA CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000651060 |
|---|---|
| Date | Jun 6, 2018 |
| Instrument | 651060 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | May 25, 2019 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | May 18, 2018 |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000650595 |
| Instrument Date | May 18, 2018 |
| Instrument | 650595 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | QUALITY TITLE INC, QUALITY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $92.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3517 12TH ST S, MOORHEAD, MN 56560-5109 |
| Document Type | Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | May 11, 2018 |
| Property Address | 604 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000650427 |
| Instrument Date | May 10, 2018 |
| Instrument | 650427 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | QUALITY TITLE INC, QUALITY TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $92.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 484, SPICER, MN 56288-0484 |
The 2026 property tax bill for 604 Loretta Cir was $7,430 with a homeowner's exemption, up 3.7% from the year before.
Source: Kandiyohi County assessment roll, as of September 1, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Kandiyohi County |
| Municipality | Spicer City |
| Unified School District | New London-Spicer School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,430.00 (+3.66%) Homeowner's exemption | $454,300 (+1.77%) Land $34,000 Building $420,300 | $454,300 (+1.77%) Land $34,000 Building $420,300 |
| 2025 | $7,168.00 Homeowner's exemption | $446,400 Land $34,000 Building $412,400 | $446,400 Land $34,000 Building $412,400 |
| 2023 | $6,140.00 Homeowner's exemption | $411,600 Land $34,000 Building $377,600 | $411,600 Land $34,000 Building $377,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 604 Loretta Cir in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective March 9, 2016 · 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 risk around 604 Loretta Cir 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 98% of the US · lower than 92% of Minnesota |
|---|---|
| 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Spicer serves 1,225 people · EPA ID MN1340010 |
|---|---|
| Water Source | Purchased groundwater from Glacial Lakes Sanitary Sewer/Water Dist |
| Last State Inspection | Feb 2026 |
| Lead | Under 1 ppb (2024–2026) action level 15 ppb |
| Water Quality | Total trihalomethanes resolved · Oct 2016 |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 85 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| TDS Telecom Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| GigFire Fixed Wireless | 150 / 130 |
| Midco Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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