Kandiyohi County property record for 609 Loretta Cir, Spicer, MN 56288
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 1,656 sqft · built 2018 |
| Lot Size | 0.484 acres (21,109 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $397,500 (Oct 2025) |
| Tax Bill | $5,792 (2026) |
| Deeds & Mortgages | Apr 2020 Mortgage Oct 2025 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-420-0030 |
| Primary APN | 85-420-0030 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 1,656 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 21,109 sqft (0.484 acres) |
| Garage Type | Attached |
| Garage Area | 636 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Slab |
| Porch Area | 48 sqft |
| Patio Area | 168 sqft |
| Street Address | 609 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 | 3 |
| Jurisdiction | KANDIYOHI MN |
| Township / Civil Division | SPICER |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 780400 |
609 Loretta Cir is owned and occupied by two individuals who bought it in October 2025.
Source: Kandiyohi County records, as of September 1, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 609 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 |
|---|---|
| Apr 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK |
| Oct 31, 2025 | Warranty Deed, Transfer · Conventional Mortgage GRANITE BANK |
| Dec 17, 2018 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage WELLS FARGO BANK |
| Aug 29, 2018 | Warranty Deed, Transfer QUALITY TITLE/WILLMAR LLC, QUALITY TITLE OF WILLMAR INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 31, 2025 · Amount on File |
| Deed Sale | Oct 31, 2025 · Amount on File |
| Prior Sale | Dec 17, 2018 · Amount on File |
| Deed Document Number | 20251821799 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 609 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Nov 19, 2025 |
| Name | Verified Name |
|---|
| Document Number | 0000665587 |
|---|---|
| Date | Apr 9, 2020 |
| Instrument | 665587 |
| Name | WELLS FARGO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 1, 2035 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | Oct 31, 2025 |
| Property Address | 609 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000711811 |
| Instrument Date | Oct 31, 2025 |
| Instrument | 711811 |
| Transaction Type | Transfer |
| Record Updated | Nov 19, 2025 |
| Title Company | KANDIYOHI ABSTRACT AND TITLE COMPANY, KANDIYOHI ABSTRACT & TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 609 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000711812 |
|---|---|
| Date | Oct 31, 2025 |
| Instrument | 711812 |
| Name | GRANITE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Nov 1, 2040 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | Dec 17, 2018 |
| Property Address | 609 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000655492 |
| Instrument Date | Dec 13, 2018 |
| Instrument | 655492 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jun 13, 2023 |
| Title Company | QUALITY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $830.11 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 102 RIDGE RD, NEW LONDON, MN 56273-8652 |
| Document Number | 0000655493 |
|---|---|
| Date | Dec 17, 2018 |
| Instrument | 655493 |
| Name | WELLS FARGO BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 192 Months |
| Due | Jan 1, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | Aug 29, 2018 |
| Property Address | 609 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000652974 |
| Instrument Date | Aug 24, 2018 |
| Instrument | 652974 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | QUALITY TITLE/WILLMAR LLC, QUALITY TITLE OF WILLMAR INC |
| Amount | Amount on Record |
|---|---|
| Tax | $99.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 180 PROGRESS WAY, SPICER, MN 56288 |
The 2026 property tax bill for 609 Loretta Cir was $5,792 with a homeowner's exemption, down 0.9% 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 | $5,792.00 (-0.89%) Homeowner's exemption | $369,900 (+3.96%) Land $34,000 Building $335,900 | $369,900 (+3.96%) Land $34,000 Building $335,900 |
| 2025 | $5,844.00 Homeowner's exemption | $355,800 Land $34,000 Building $321,800 | $355,800 Land $34,000 Building $321,800 |
| 2023 | $5,394.00 Homeowner's exemption | $365,200 Land $34,000 Building $331,200 | $365,200 Land $34,000 Building $331,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 609 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 609 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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