632 Spear Ave, Duluth, MN 55803 Property Records

St. Louis County property record for 632 Spear Ave, Duluth, MN 55803

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,584 sqft · built 1920
Lot Size	0.17 acres (7,425 sqft)
Owner	Individual Name on Record
Last Sale	$126,300 (Mar 2007)
Tax Bill	$3,704 (2026)
Deeds & Mortgages	Feb 2023 Mortgage Jan 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`010-3320-00440`

Property Details

APN / Parcel Number

Primary APN	`010-3320-00440`
Alternative APN	`843720`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	1,584 sqft Gross Area
1st Floor Area	792 sqft
Basement Area	396 sqft
Finished Basement	396 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Wood
Construction Type	Frame
Lot Area	7,425 sqft (0.17 acres)

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Porch
Porch Area	112 sqft
Sauna	Sauna

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	843720
Street Address	632 SPEAR AVE
City	DULUTH
State	MN
Zip	55803-2154
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT: 0008 BLOCK:004 SERIAL #
Legal Subdivision	MORLEY HEIGHTS
Legal Block	4
Legal Lot Number	8
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	632 SPEAR AVE, DULUTH, MN 55803-2154
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2023	Deed of Trust, Mortgage NORTHERN STATE BANK OF VIRGINIA
Jan 2, 2019	Quit Claim Deed, Mortgage · Conventional Mortgage US BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2007 · Amount on Record
Deed Sale	Mar 7, 2007 · Amount on Record
Deed Document Number	2007833360
Last Transfer Date	Dec 21, 2018
Transfer Doc	00T1006603
Record Updated	Sep 20, 2026

February 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	632 SPEAR AVE, DULUTH, MN 55803-2154
Transaction Type	Mortgage
Record Updated	Mar 27, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 SPEAR AVE, DULUTH, MN 55803-2154

Mortgage

Document Number	0001065864
Date	Feb 7, 2023
Instrument	1065864

Lender

Name	NORTHERN STATE BANK OF VIRGINIA
Type	Bank
Address	VIRGINIA, MN 55792

Agreement

Amount	Amount Recorded
Term	61 Months
Due	Mar 1, 2028

January 2019: Quit Claim Deed, Mortgage

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jan 2, 2019
Property Address	632 SPEAR AVE, DULUTH, MN 55803-2154
Document Number	00T1006603
Instrument Date	Dec 21, 2018
Instrument	T1006603
Transaction Type	Mortgage
Record Updated	Jan 15, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	632 SPEAR AVE DULUTH MN 558032154, DULUTH, MN 55803-2154

Mortgage

Document Number	T1006604
Date	Jan 2, 2019
Instrument	T1006604

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 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	$3,704.00 (+4.34%) Homeowner's exemption
2025	$3,550.00 (+28.07%) Homeowner's exemption	$282,100 (+6.21%) Land $50,700 Building $231,400	$282,100 (+6.21%) Land $50,700 Building $231,400
2024	$2,772.00	$265,600 (+53.26%) Land $47,300 Building $218,300	$265,600 (+53.26%) Land $47,300 Building $218,300
2022		$173,300 Land $32,400 Building $140,900	$173,300 Land $32,400 Building $140,900

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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