Kandiyohi County property record for 613 Loretta Cir, Spicer, MN 56288
| Property Type | Single Family Home |
|---|---|
| Details | 1 ba · 2,232 sqft · built 2018 |
| Lot Size | 0.701 acres (30,547 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (May 2021) |
| Tax Bill | $8,030 (2026) |
| Deeds & Mortgages | Aug 2019 Mortgage Oct 2018 Construction Loan + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-420-0040 |
| Primary APN | 85-420-0040 |
|---|
| Full Baths | 1 Bath |
|---|---|
| Building Area | 2,232 sqft Total Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Sound System | Sound System |
| Year Built | Built 2018 |
|---|---|
| Effective Year Built | Effective 2018 |
| Lot Area | 30,547 sqft (0.701 acres) |
| Garage Type | Attached |
| Garage Area | 868 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 448 sqft |
| Street Address | 613 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 | 4 |
| Jurisdiction | KANDIYOHI MN |
| Township / Civil Division | SPICER |
| Census Block Group | 3 |
| Census Block | 3023 |
| Census Tract | 780400 |
Source: Kandiyohi County records, as of September 1, 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 Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 21, 2019 | Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK |
| Oct 1, 2018 | Deed of Trust, Mortgage · Construction Mortgage HERITAGE BANK |
| Apr 3, 2020 | Deed of Trust, Mortgage · Conventional Mortgage GRANITE COMMUNITY BANK |
| May 28, 2021 | Warranty Deed, Transfer · Conventional Mortgage COOP CUR OF MONTEVIDEO |
| Aug 20, 2018 | Warranty Deed, Transfer QUALITY TITLE INC, QUALITY TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 28, 2021 · Amount on Record |
| Deed Sale | May 28, 2021 · Amount on Record |
| Prior Sale | Aug 20, 2018 · Amount on Record |
| Deed Document Number | 2021677911 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000660436 |
|---|---|
| Date | Aug 21, 2019 |
| Instrument | 660436 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Sep 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000653785 |
|---|---|
| Date | Oct 1, 2018 |
| Instrument | 653785 |
| Name | HERITAGE BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 12 Months |
| Due | Sep 20, 2019 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Property Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000665482 |
|---|---|
| Date | Apr 3, 2020 |
| Instrument | 665482 |
| Name | GRANITE COMMUNITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 26, 2025 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | May 28, 2021 |
| Property Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000677911 |
| Instrument Date | May 28, 2021 |
| Instrument | 677911 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | QUALITY TITLE INC, QUALITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000677912 |
|---|---|
| Date | May 28, 2021 |
| Instrument | 677912 |
| Name | COOP CUR OF MONTEVIDEO |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | KANDIYOHI MN |
| Recording Date | Aug 20, 2018 |
| Property Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
| Document Number | 0000652775 |
| Instrument Date | Aug 16, 2018 |
| Instrument | 652775 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | QUALITY TITLE INC, QUALITY TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $92.40 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 613 LORETTA CIR, SPICER, MN 56288-4653 |
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 | $8,030.00 (+12.15%) Homeowner's exemption | $487,900 (+1.75%) Land $34,000 Building $453,900 | $487,900 (+1.75%) Land $34,000 Building $453,900 |
| 2025 | $479,500 (+1.03%) Land $34,000 Building $445,500 | $479,500 (+1.03%) Land $34,000 Building $445,500 | |
| 2023 | $7,160.00 Homeowner's exemption | $474,600 Land $34,000 Building $440,600 | $474,600 Land $34,000 Building $440,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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