6712 Spruce Rd, Alborn, MN 55702 Property Records

St. Louis County property record for 6712 Spruce Rd, Alborn, MN 55702

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,944 sqft
Lot Size	1.26 acres (55,100 sqft)
Owner	Individual Name on File
Last Sale	$310,987 (Jun 2010)
Tax Bill	$2,068 (2026)
Deeds & Mortgages	Aug 2022 Transfer Aug 2022 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`205-0028-00030`

Property Details

APN / Parcel Number

Primary APN	`205-0028-00030`
Alternative APN	`863589`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,944 sqft Gross Area
1st Floor Area	1,536 sqft
Basement Area	504 sqft
Finished Basement	504 sqft

Exterior

Exterior Material	Wood
Construction Type	Frame
Lot Area	55,100 sqft (1.26 acres)
Garage Area	2,808 sqft
Deck Area	32 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	863589
Street Address	6712 SPRUCE RD
City	ALBORN
State	MN
Zip	55702-8279
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SMU
Legal Description	LOT: 0003 BLOCK:001 SERIAL #
Legal Subdivision	LAKE HEIGHTS DIVISION
Legal Block	1
Legal Lot Number	3
Jurisdiction	ST LOUIS MN
Township / Civil Division	ALBORN
Census Block Group	1
Census Block	1005
Census Tract	11200

Owner

6712 Spruce Rd is owned and occupied by an individual who acquired it in January 2022.

Source: St. Louis County records, as of August 20, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	6710 SPRUCE RD, ALBORN, MN 55702-8279
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 8, 2022	Transfer on Death Deed, Transfer
Aug 8, 2022	Transfer on Death Deed, Transfer
Jan 24, 2022	Affidavit of Death of Joint Tenant, Transfer
Mar 4, 2022	Intrafamily Transfer, Transfer
Dec 17, 2018	Loan Modification, Mortgage NORTH SHORE BK/COMMERCE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2010 · Amount on File
Deed Sale	Jun 2, 2010 · Amount on File
Deed Document Number	2010885241
Last Transfer Date	Jan 24, 2022
Transfer Doc	0001435865
Record Updated	Sep 20, 2026

August 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 8, 2022
Property Address	6712 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	0001449229
Instrument Date	Aug 2, 2022
Instrument	1449229
Transaction Type	Transfer
Record Updated	Sep 19, 2022

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
Relationship	Tenants in Common

August 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST LOUIS MN
Recording Date	Aug 8, 2022
Property Address	6712 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	0001059793
Instrument Date	Aug 2, 2022
Instrument	1059793
Transaction Type	Transfer
Record Updated	Sep 19, 2022

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
Relationship	Tenants in Common

January 2022: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	ST LOUIS MN
Recording Date	Jan 24, 2022
Property Address	6712 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	0001052537
Instrument Date	Jan 6, 2022
Instrument	1052537
Transaction Type	Transfer
Record Updated	Feb 25, 2022

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	6710 SPRUCE RD, ALBORN, MN 55702-8279

March 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	ST LOUIS MN
Recording Date	Mar 4, 2022
Property Address	6712 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	0001438573
Instrument Date	Jan 6, 2022
Instrument	1438573
Transaction Type	Transfer
Record Updated	Mar 28, 2022

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	6710 SPRUCE RD, ALBORN, MN 55702-8279

December 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	ST LOUIS MN
Property Address	6712 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	0001006443
Instrument Date	Dec 17, 2018
Transaction Type	Mortgage
Record Updated	Jan 9, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6712 SPRUCE RD ALBORN MN 557028279, ALBORN, MN 55702-8279

Mortgage

Document Number	0001006443
Date	Dec 27, 2018
Instrument	1006443

Lender

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

Agreement

Amount	Amount on Record
Term	240 Months
Due	Dec 26, 2038

Interest

Rate Type	Adjustable Rate
Rate	3.62%

Tax Assessment & Valuation

The 2026 property tax bill for 6712 Spruce Rd was $2,068 with a homeowner's exemption, up 19.8% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Alborn Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,068.00 (+19.81%) Homeowner's exemption
2025	$1,726.00 (-11.76%) Homeowner's exemption	$274,900 (+14.16%) Land $35,500 Building $239,400	$274,900 (+14.16%) Land $35,500 Building $239,400
2024	$1,956.00	$240,800 Land $34,300 Building $206,500	$240,800 Land $34,300 Building $206,500
2022		$204,700 Land $30,200 Building $174,500	$204,700 Land $30,200 Building $174,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6712 Spruce Rd in Zone X, an area of minimal flood risk.

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 Policies	4 in force

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

Wildfire risk around 6712 Spruce Rd is low, with less than 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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 19 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

May also be available: T-Mobile.

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