613 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 613 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,599 sqft · built 1920
Lot Size	0.128 acres (5,604 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Dec 2020)
Tax Bill	$3,764 (2026)
Deeds & Mortgages	Dec 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00330`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00330`
Alternative APN	`1101851`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,599 sqft Gross Area
1st Floor Area	1,162 sqft

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Architectural Style	Bungalow
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable
Lot Area	5,604 sqft (0.128 acres)
Garage Area	221 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Covered Porch
Porch Area	288 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	1101851
Street Address	613 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0011 BLOCK:003 SERIAL #
Legal Subdivision	MORLEY HEIGHTS DULUTH
Legal Block	3
Legal Lot Number	11
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2014
Census Tract	500

Owner

Source: St. Louis County assessment roll, APN 010-3320-00330, as of 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	613 SPEAR AVE, DULUTH, MN 55803-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Dec 16, 2020 · Amount on Record
Deed Sale	Dec 16, 2020 · Amount on Record
Deed Document Number	20201033753
Record Updated	Sep 20, 2026

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Dec 16, 2020
Property Address	613 SPEAR AVE, DULUTH, MN 55803-2161
Document Number	00T1033753
Instrument Date	Nov 20, 2020
Instrument	T1033753
Transaction Type	Transfer
Record Updated	Jan 12, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$611.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	613 SPEAR AVE DULUTH MN 558032161, DULUTH, MN 55803-2161

Mortgage

Document Number	T1033754
Date	Dec 16, 2020
Instrument	T1033754

Lender

Name	NATIONAL BK/CMRC
Address	SUPERIOR, WI 54880

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 15, 2035

Tax Assessment & Valuation

Source: St. Louis County assessment roll as of 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	$3,764.00 (+4.79%) Homeowner's exemption
2025	$3,592.00 (+1.81%) Homeowner's exemption	$298,000 (+6.35%) Land $39,600 Building $258,400	$298,000 (+6.35%) Land $39,600 Building $258,400
2024	$3,528.00	$280,200 (+23.76%) Land $36,900 Building $243,300	$280,200 (+23.76%) Land $36,900 Building $243,300
2022		$226,400 Land $25,300 Building $201,100	$226,400 Land $25,300 Building $201,100

Flood & Wildfire

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

Flood

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

Wildfire

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 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, 335 locations within half a mile, as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1690011, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Duluth serves 86,859 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.