617 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 617 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,463 sqft · built 1920
Lot Size	0.128 acres (5,574 sqft)
Owner	Individual Name on File
Last Sale	$171,900 (May 2019)
Tax Bill	$4,708 (2026)
Deeds & Mortgages	Dec 2021 Mortgage May 2019 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00320`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00320`
Alternative APN	`1070682`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,463 sqft Gross Area
1st Floor Area	836 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	5,574 sqft (0.128 acres)
Garage Area	576 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	108 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1070682
Street Address	617 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0010 BLOCK:003 SERIAL #
Legal Subdivision	MORLEY HEIGHTS DULUTH
Legal Block	3
Legal Lot Number	10
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, 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 File
Mailing Address	617 SPEAR AVE, DULUTH, MN 55803-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 6, 2021	Deed of Trust, Mortgage · FHA Mortgage US BANK NA
May 22, 2019	Warranty Deed, Transfer · Line of Credit NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2019 · Amount on Record
Deed Sale	May 22, 2019 · Amount on Record
Prior Sale	Jul 8, 2004 · Amount on Record
Deed Document Number	20191010639
Prior Transfer Date	Mar 26, 2012
Prior Transfer Doc	0000912613
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	617 SPEAR AVE, DULUTH, MN 55803-2161
Transaction Type	Mortgage
Record Updated	Feb 11, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	617 SPEAR AVE, DULUTH, MN 55803-2161

Mortgage

Document Number	0001050398
Date	Dec 6, 2021
Instrument	1050398

Lender

Name	US BANK NA
Type	Bank
Address	MADISON HEIGHTS, MI 48071

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2051

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	May 22, 2019
Property Address	617 SPEAR AVE, DULUTH, MN 55803-2161
Document Number	00T1010639
Instrument Date	May 7, 2019
Instrument	T1010639
Transaction Type	Transfer
Record Updated	Sep 29, 2020
Title Company	ARROWHEAD TITLE COMPANY, ARROWHEAD ABSTRACT & TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$567.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	617 SPEAR AVE DULUTH MN 558032161, DULUTH, MN 55803-2161

Mortgage

Document Number	T1010641
Date	May 22, 2019
Instrument	T1010641

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

Interest

Rate Type	Adjustable Rate

Mortgage

Document Number	T1010640,
Date	May 22, 2019
Instrument	T1010640

Lender

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

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 21, 2049

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	$4,708.00 (+4.67%) Homeowner's exemption
2025	$4,498.00 (+4.9%) Homeowner's exemption	$193,100 (-34.25%) Land $39,400 Building $153,700	$193,100 (-34.25%) Land $39,400 Building $153,700
2024	$4,288.00	$293,700 (+27.47%) Land $36,700 Building $257,000	$293,700 (+27.47%) Land $36,700 Building $257,000
2022		$230,400 Land $25,100 Building $205,300	$230,400 Land $25,100 Building $205,300

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

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 USA Fixed Wireless	100 / 20

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Spear Ave

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures