629 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 629 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,530 sqft · built 1920
Lot Size	0.149 acres (6,507 sqft)
Owner	Individual Name on Record
Last Sale	$227,500 (Jun 2019)
Tax Bill	$3,912 (2026)
Deeds & Mortgages	Oct 2025 Transfer Jun 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00290`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00290`
Alternative APN	`1072766`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,530 sqft Gross Area
1st Floor Area	874 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	6,507 sqft (0.149 acres)
Garage Area	308 sqft

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	114 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1072766
Street Address	629 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2161
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0007 BLOCK:003 SERIAL #
Legal Subdivision	MORLEY HEIGHTS DULUTH
Legal Block	3
Legal Lot Number	7
Jurisdiction	ST LOUIS MN
Township / Civil Division	DULUTH
Census Block Group	2
Census Block	2014
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	629 SPEAR AVE, DULUTH, MN 55803-2161
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 31, 2025	Affidavit of Death of Joint Tenant, Transfer
Jun 24, 2019	Warranty Deed, Transfer · VA Mortgage HANCOCK MTG PTRS

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2019 · Amount on Record
Deed Sale	Jun 24, 2019 · Amount on Record
Prior Sale	Dec 1, 2011 · Amount on Record
Deed Document Number	20191011753
Prior Transfer Date	Nov 19, 2002
Prior Transfer Doc	0000745293
Record Updated	Sep 20, 2026

October 2025: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Oct 31, 2025
Property Address	629 SPEAR AVE, DULUTH, MN 55803-2161
Document Number	0001095757
Instrument Date	Oct 15, 2025
Instrument	1095757
Transaction Type	Transfer
Record Updated	Nov 19, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4108 N 79TH AVE W, DULUTH, MN 55810-1149

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 24, 2019
Property Address	629 SPEAR AVE, DULUTH, MN 55803-2161
Document Number	00T1011753
Instrument Date	Jun 21, 2019
Instrument	T1011753
Transaction Type	Transfer
Record Updated	Jul 10, 2019
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.75
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	629 SPEAR AVE DULUTH MN 558032161, DULUTH, MN 55803-2161

Mortgage

Document Number	T1011754
Date	Jun 24, 2019
Instrument	T1011754

Lender

Name	HANCOCK MTG PTRS
Type	Mortgage Company
Address	SUGAR LAND, TX 77478

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 23, 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	$3,912.00 (+4.54%)
2025	$3,742.00 (-2.09%)	$289,500 (+6.36%) Land $45,900 Building $243,600	$289,500 (+6.36%) Land $45,900 Building $243,600
2024	$3,822.00	$272,200 (+16.42%) Land $42,800 Building $229,400	$272,200 (+16.42%) Land $42,800 Building $229,400
2022		$233,800 Land $29,300 Building $204,500	$233,800 Land $29,300 Building $204,500

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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