606 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 606 Spear Ave, Duluth, MN 55803 · Last verified August 2026

Property Summary

Property Type	Residential Multi-Family (5+ Units)
Details	5 bd · 2 ba · 2,184 sqft · built 1920
Lot Size	0.206 acres (8,990 sqft)
Owner	Individual Name on File
Last Sale	$235,000 (Mar 2020)
Tax Bill	$5,292 (2026)
Deeds & Mortgages	May 2022 Mortgage Mar 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00400`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00400`
Alternative APNs	`1130060` `1136352`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	13 Rooms
Stories	2 Stories
Building Area	2,184 sqft Gross Area
1st Floor Area	1,092 sqft
Basement Area	273 sqft
Finished Basement	273 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Duplex Single
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Lot Area	8,990 sqft (0.206 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Slab
Porch Area	156 sqft
Deck Area	96 sqft
Storage Building	77 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1136352
Street Address	606 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2154
Property Category	Residential
Property Type	Residential > Multi-Unit > Residential Multi-Family (5+ Units)
Legal Description	LOT: 0004 BLOCK:004 SERIAL #
Legal Subdivision	MORLEY HEIGHTS
Legal Block	4
Legal Lot Number	4
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2015
Census Tract	500

Owner

Source: St. Louis County records · APN 010-3320-00400

Assessment roll updated August 17, 2026 · Last verified August 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 File
Mailing Address	5 N 23RD AVE E, 1, DULUTH, MN 55812-3793
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2022	Quit Claim Deed, Subdivision Related Transfer · Conventional Mortgage CALIBER HOME LOANS INC
Mar 06, 2020	Warranty Deed, Transfer · Conventional Mortgage WESTERN NAT'L BK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Mar 06, 2020 · Amount on Record
Deed Sale	Mar 06, 2020 · Amount on Record
Prior Sale	Feb 08, 2002 · Amount on Record
Deed Document Number	20201021237
Last Transfer Date	May 03, 2022
Transfer Doc	0001056493
Record Updated	Sep 20, 2026

May 2022: Quit Claim Deed, Subdivision Related Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 11, 2022
Property Address	606 SPEAR AVE, DULUTH, MN 55803-2154
Document Number	0001056493
Instrument Date	May 03, 2022
Instrument	1056493
Transaction Type	Subdivision Related Transfer
Record Updated	Jun 30, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	110 CLOVER ST, DULUTH, MN 55812-1102

Mortgage

Document Number	0001056494
Date	May 11, 2022
Instrument	1056494

Lender

Name	CALIBER HOME LOANS INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 01, 2052

March 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Mar 06, 2020
Property Address	606 SPEAR AVE, DULUTH, MN 55803-2154
Document Number	00T1021237
Instrument Date	Feb 28, 2020
Instrument	T1021237
Transaction Type	Transfer
Record Updated	Mar 25, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$776.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1036 S LAKE AVE DULUTH MN 558022408, DULUTH, MN 55802-2408

Mortgage

Document Number	T1021238
Date	Mar 06, 2020
Instrument	T1021238

Lender

Name	WESTERN NAT'L BK
Type	Bank
Address	DULUTH, MN 55816-0050

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 05, 2025

Tax Assessment & Valuation

Source: St. Louis County records · Assessment roll updated August 17, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
Municipality	Duluth City
Unified School District	Duluth Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,292.00 (+4.75%)
2025	$5,052.00 (+13.84%)	$319,900 (+6.39%) Land $55,000 Building $264,900	$319,900 (+6.39%) Land $55,000 Building $264,900
2024	$4,438.00	$300,700 (+35.45%) Land $51,300 Building $249,400	$300,700 (+35.45%) Land $51,300 Building $249,400
2022		$222,000 Land $35,100 Building $186,900	$222,000 Land $35,100 Building $186,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, St. Louis County (27137C), updated March 24, 2025 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271370005002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 1997, rainfall accumulation, Severe Flooding, High Winds,severe Storms

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 335 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 50
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G (outdoors only) and 4G LTE

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