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605 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 605 Spear Ave, Duluth, MN 55803

Property Summary

Property TypeSingle Family Home
Details3 bd · 3 ba · 2,011 sqft · built 1920
Lot Size0.146 acres (6,383 sqft)
OwnerIndividual Name on Record
Last Sale$365,000 (Jun 2021)
Tax Bill$5,522 (2026)
Deeds & MortgagesJun 2021 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN010-3320-00350

Property Details

APN / Parcel Number

Primary APN010-3320-00350
Alternative APN
  • 1111677

Interior

Bedrooms3 Beds
Full Baths3 Baths
Total Rooms3 Rooms
Stories1 Story
Building Area2,011 sqft Gross Area
1st Floor Area1,322 sqft
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1920
Architectural StyleBungalow
Exterior MaterialMetal
Construction TypeFrame
Roof TypeGable
Lot Area6,383 sqft (0.146 acres)
Garage Area576 sqft

Exterior Amenities

Pool TypeSpa / Hot Tub (No Pool)
PorchSlab
Porch Area147 sqft
Deck Area84 sqft
SaunaSauna

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemHVAC
Heating FuelGas

Location & Zoning

Account Number1111677
Street Address605 SPEAR AVE
CityDULUTH
StateMN
Zip55803-2161
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT: 0013 BLOCK:003 SERIAL #
Legal SubdivisionMORLEY HEIGHTS
Legal Block3
Legal Lot Number13
JurisdictionST LOUIS MN
Township / Civil DivisionDULUTH
Census Block Group2
Census Block2014
Census Tract500

Owner

Source: St. Louis County records, as of October 20, 2026

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

Owner of RecordIndividual Name on Record
Mailing Address605 SPEAR AVE, DULUTH, MN 55803-2161
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed NamesName on Deed
Last SaleJun 25, 2021 · Amount on Record
Deed SaleJun 25, 2021 · Amount on Record
Prior SaleApr 14, 2009 · Amount on Record
Deed Document Number20211042794
Record UpdatedOct 29, 2026

June 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionST LOUIS MN
Recording DateJun 25, 2021
Property Address605 SPEAR AVE, DULUTH, MN 55803-2161
Document Number0001042794
Instrument DateJun 17, 2021
Instrument1042794
Transaction TypeTransfer
Record UpdatedJul 22, 2021
Title CompanyARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TTL CO

Transaction

AmountAmount Recorded
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$1,204.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address605 SPEAR AVE, DULUTH, MN 55803-2161

Mortgage

Document Number0001042795
DateJun 25, 2021
Instrument1042795
Lender
NameMEGASTAR FINANCIAL CORP
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueJul 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountySt. Louis County
MunicipalityDuluth City
Unified School DistrictDuluth Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$5,522.00 (+4.74%) Homeowner's exemption
2025$5,272.00 (+6.16%) Homeowner's exemption$419,100 (+6.32%) Land $45,200 Building $373,900$419,100 (+6.32%) Land $45,200 Building $373,900
2024$4,966.00$394,200 (+27.95%) Land $42,100 Building $352,100$394,200 (+27.95%) Land $42,100 Building $352,100
2022$308,100 Land $28,800 Building $279,300$308,100 Land $28,800 Building $279,300

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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Claims1 (1997)
Claims Outside the SFHA1 of 1
Most Recent ClaimApr 1997 · Severe Flooding, High Winds,severe Storms

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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureNone
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 SystemDuluth
serves 86,859 people · EPA ID MN1690011
Water SourceSurface water
Last State InspectionFeb 2025
Lead8 ppb (2023–2025)
action level 15 ppb

Violations Reported to EPA

Water QualityTurbidity
resolved · Oct 2017
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 335 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 50
Starlink
Satellite		280 / 30
T-Mobile
Fixed Wireless		100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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