609 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 609 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,254 sqft · built 1920
Lot Size	0.145 acres (6,356 sqft)
Owner	Individual Name on Record
Last Sale	$212,000 (Aug 2019)
Tax Bill	$4,174 (2026)
Deeds & Mortgages	Jan 2022 Mortgage Aug 2019 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00340`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00340`
Alternative APN	`1075635`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,254 sqft Gross Area
1st Floor Area	836 sqft
Basement Area	418 sqft
Finished Basement	418 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Lot Area	6,356 sqft (0.145 acres)
Garage Area	484 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	96 sqft
Deck Area	196 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1075635
Street Address	609 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 12 BLOCK:003 SERIAL #
Legal Subdivision	MORLEY HEIGHTS
Legal Block	3
Legal Lot Number	12
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2014
Census Tract	500

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	609 SPEAR AVE, DULUTH, MN 55803-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 26, 2022	Deed of Trust, Mortgage · FHA Mortgage MIDWEST LOAN SERVICES INC
Aug 13, 2019	Warranty Deed, Transfer · FHA Mortgage NORTH SHORE BK/COMMERCE
Oct 4, 2017	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 13, 2019 · Amount on Record
Deed Sale	Aug 13, 2019 · Amount on Record
Prior Sale	Oct 4, 2017 · Amount on Record
Deed Document Number	20191013615
Record Updated	Sep 20, 2026

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	609 SPEAR AVE, DULUTH, MN 55803-2161
Transaction Type	Mortgage
Record Updated	Feb 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 SPEAR AVE, DULUTH, MN 55803-2161

Mortgage

Document Number	0001052688
Date	Jan 26, 2022
Instrument	1052688

Lender

Name	MIDWEST LOAN SERVICES INC
Type	Mortgage Company
Address	HANCOCK, MI 49930

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	332 Months
Due	Sep 1, 2049

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 13, 2019
Property Address	609 SPEAR AVE, DULUTH, MN 55803-2161
Document Number	00T1013615
Instrument Date	Aug 9, 2019
Instrument	T1013615
Transaction Type	Transfer
Record Updated	Aug 26, 2019
Title Company	NORTH SHORE TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$699.60
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	609 SPEAR AVE DULUTH MN 558032161, DULUTH, MN 55803-2161

Mortgage

Document Number	T1013616
Date	Aug 13, 2019
Instrument	T1013616

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 12, 2049

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 4, 2017
Property Address	609 SPEAR AVE, DULUTH, MN 55803-2161
Document Number	000T990518
Instrument Date	Oct 2, 2017
Instrument	T990518
Transaction Type	Transfer
Record Updated	Oct 17, 2017
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	609 SPEAR AVE DULUTH MN 558032161, DULUTH, MN 55803-2161

Mortgage

Document Number	T990519
Date	Oct 4, 2017
Instrument	T990519

Lender

Name	NORTH SHORE BK/COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 3, 2047

Tax Assessment & Valuation

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,174.00 (+13.3%)
2025	$3,684.00 (-3.15%)	$256,800 (+6.34%) Land $45,000 Building $211,800	$256,800 (+6.34%) Land $45,000 Building $211,800
2024	$3,804.00	$241,500 (+25.13%) Land $41,900 Building $199,600	$241,500 (+25.13%) Land $41,900 Building $199,600
2022		$193,000 Land $28,700 Building $164,300	$193,000 Land $28,700 Building $164,300

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Claims	1 (1997)
Claims Outside the SFHA	1 of 1
Most Recent Claim	Apr 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 Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Duluth serves 86,859 people · EPA ID MN1690011
Water Source	Surface water
Last State Inspection	Feb 2025
Lead	8 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	Turbidity resolved · Oct 2017
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. 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

Provider	Max 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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