St. Louis County property record for 621 Spear Ave, Duluth, MN 55803
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,496 sqft · built 1920 |
| Lot Size | 0.147 acres (6,425 sqft) |
| Owner | Individual Name on File |
| Last Sale | $130,000 (Aug 2022) |
| Tax Bill | $3,600 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 010-3320-00310 |
| Primary APN | 010-3320-00310 |
|---|---|
| Alternative APN |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,496 sqft Gross Area |
| 1st Floor Area | 1,059 sqft |
| Basement Area | 126 sqft |
| Finished Basement | 126 sqft |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1920 |
| Architectural Style | Bungalow |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Lot Area | 6,425 sqft (0.147 acres) |
| Garage Type | Carport |
| Garage Area | 399 sqft |
| Carport | Carport |
| Carport Area | 399 sqft |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Porch |
| Porch Area | 84 sqft |
| Deck Area | 112 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Gas |
| Account Number | 1133346 |
|---|---|
| Street Address | 621 SPEAR AVE |
| City | DULUTH |
| State | MN |
| Zip | 55803-2161 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT: 0009 BLOCK:003 SERIAL # |
| Legal Subdivision | MORLEY HEIGHTS DULUTH |
| Legal Block | 3 |
| Legal Lot Number | 9 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | DULUTH |
| Census Block Group | 2 |
| Census Block | 2014 |
| Census Tract | 500 |
621 Spear Ave is owned and occupied by an individual who bought it in August 2022.
Source: St. Louis County records, as of August 17, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 621 SPEAR AVE, DULUTH, MN 55803-2161 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 22, 2022 · Amount on File |
| Deed Sale | Aug 22, 2022 · Amount on File |
| Prior Sale | May 11, 2010 · Amount on File |
| Deed Document Number | 20221060340 |
| Prior Transfer Date | Jul 14, 2021 |
| Prior Transfer Doc | 0001043893 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Aug 22, 2022 |
| Property Address | 621 SPEAR AVE, DULUTH, MN 55803-2161 |
| Document Number | 0001060340 |
| Instrument Date | Jun 3, 2022 |
| Instrument | 1060340 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2022 |
| Title Company | CLOSING USA LLC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 233 E ORANGE ST, 233, DULUTH, MN 55811-5528 |
| Name | Verified Name |
|---|---|
| Address | 621 SPEAR AVE, DULUTH, MN 55803-2161 |
| Document Number | 0001060341 |
|---|---|
| Date | Aug 22, 2022 |
| Instrument | 1060341 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jun 1, 2052 |
The 2026 property tax bill for 621 Spear Ave was $3,600 with a homeowner's exemption, up 4.5% from the year before.
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| Municipality | Duluth City |
| Unified School District | Duluth Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,600.00 (+4.47%) Homeowner's exemption | ||
| 2025 | $3,446.00 (+0.88%) Homeowner's exemption | $275,400 (+6.33%) Land $45,400 Building $230,000 | $275,400 (+6.33%) Land $45,400 Building $230,000 |
| 2024 | $3,416.00 | $259,000 Land $42,400 Building $216,600 | $259,000 Land $42,400 Building $216,600 |
| 2022 | $202,500 Land $29,000 Building $173,500 | $202,500 Land $29,000 Building $173,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 621 Spear Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 1997.
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 risk around 621 Spear Ave is low, with 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 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.
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 |
| 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.
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.
5G (outdoors only) and 4G LTE
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