628 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 628 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,463 sqft · built 1920
Lot Size	0.182 acres (7,933 sqft)
Owner	Individual Name on Record
Last Sale	$119,300 (Aug 2012)
Tax Bill	$3,842 (2026)
Deeds & Mortgages	Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00430`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00430`
Alternative APN	`1078705`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,463 sqft Gross Area
1st Floor Area	836 sqft
Basement Area	418 sqft
Finished Basement	418 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

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	7,933 sqft (0.182 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Deck Area	12 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Baseboard
Heating Fuel	Gas

Location & Zoning

Account Number	1078705
Street Address	628 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:004 SERIAL #
Legal Subdivision	MORLEY HEIGHTS DULUTH
Legal Block	4
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2015
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	628 SPEAR AVE, DULUTH, MN 55803-2154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2012 · Amount on Record
Deed Sale	Aug 3, 2012 · Amount on Record
Prior Sale	Aug 30, 2007 · Amount on Record
Deed Document Number	2012917952
Last Transfer Date	Jan 18, 2019
Transfer Doc	0001015891
Record Updated	Sep 20, 2026

October 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Oct 7, 2019
Property Address	628 SPEAR AVE, DULUTH, MN 55803-2154
Document Number	00T1015891
Instrument Date	Jan 18, 2019
Instrument	T1015891
Transaction Type	Transfer
Record Updated	Dec 10, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 SPEAR AVE DULUTH MN 558032154, DULUTH, MN 55803-2154

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	$3,842.00 (+4.52%) Homeowner's exemption
2025	$3,676.00 (+0.6%) Homeowner's exemption	$291,600 (+6.35%) Land $52,100 Building $239,500	$291,600 (+6.35%) Land $52,100 Building $239,500
2024	$3,654.00	$274,200 (+22.63%) Land $48,600 Building $225,600	$274,200 (+22.63%) Land $48,600 Building $225,600
2022		$223,600 Land $33,300 Building $190,300	$223,600 Land $33,300 Building $190,300

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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