6714 Spruce Rd, Alborn, MN 55702 Property Records

St. Louis County property record for 6714 Spruce Rd, Alborn, MN 55702

Property Summary

Property Type	Single Family Home
Details	1.5 ba · 1,144 sqft · built 2006
Lot Size	1.02 acres (44,656 sqft)
Owner	Individual Name on File
Last Sale	$114,900 (Aug 2012)
Tax Bill	$2,008 (2026)
Deeds & Mortgages	Jan 2026 Line of Credit Jun 2021 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`205-0028-00020`

Property Details

APN / Parcel Number

Primary APN	`205-0028-00020`
Alternative APN	`937115`

Interior

Full Baths	1.5 Baths
Stories	1 Story
Building Area	1,144 sqft Gross Area
1st Floor Area	1,144 sqft
Basement Area	875 sqft
Finished Basement	875 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	44,656 sqft (1.02 acres)
Garage Area	660 sqft
Deck Area	80 sqft
Storage Building	24 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	937115
Street Address	6714 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: 0002 BLOCK:001 SERIAL #
Legal Subdivision	LAKE HEIGHTS DIVISION
Legal Block	1
Legal Lot Number	2
Jurisdiction	ST LOUIS MN
Township / Civil Division	ALBORN
Census Block Group	1
Census Block	1005
Census Tract	11200

Owner

6714 Spruce Rd is owned and occupied by an individual who bought it in August 2012.

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

Owner of Record	Individual Name on File
Mailing Address	6714 SPRUCE RD, ALBORN, MN 55702-8279
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2026	Deed of Trust, Mortgage · Line of Credit HARBOR POINTE CU
Jun 16, 2021	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Feb 24, 2021	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Mar 14, 2022	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU
Jun 4, 2019	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2012 · Amount on File
Deed Sale	Aug 14, 2012 · Amount on File
Prior Sale	Apr 26, 2011 · Amount on File
Deed Document Number	2012918345
Prior Transfer Date	Oct 28, 2011
Prior Transfer Doc	0000908957
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6714 SPRUCE RD, ALBORN, MN 55702-8279
Transaction Type	Mortgage
Record Updated	Feb 16, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6714 SPRUCE RD, ALBORN, MN 55702-8279

Mortgage

Document Number	0001098746
Date	Jan 30, 2026
Instrument	1098746

Lender

Name	HARBOR POINTE CU
Type	Credit Union
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	180 Months
Due	Jan 25, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6714 SPRUCE RD, ALBORN, MN 55702-8279
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001042270
Date	Jun 16, 2021
Instrument	1042270

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 15, 2041

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6714 SPRUCE RD, ALBORN, MN 55702-8279
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001036983
Date	Feb 24, 2021
Instrument	1036983

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Mar 1, 2036

March 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6714 SPRUCE RD, ALBORN, MN 55702-8279
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001054316
Date	Mar 14, 2022
Instrument	1054316

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 15, 2042

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6714 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	00T1011466
Instrument Date	Jun 4, 2019
Transaction Type	Mortgage
Record Updated	Jun 24, 2019
Title Company	NOT AVAILABLE

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	6714 SPRUCE RD ALBORN MN 557028279, ALBORN, MN 55702-8279

Mortgage

Document Number	00T1011466
Date	Jun 14, 2019
Instrument	T1011466

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Jun 13, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 6714 Spruce Rd was $2,008 with a homeowner's exemption, up 18.1% 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	$2,008.00 (+18.12%) Homeowner's exemption
2025	$1,700.00 (-20.63%) Homeowner's exemption	$265,000 (+12.24%) Land $80,100 Building $184,900	$265,000 (+12.24%) Land $80,100 Building $184,900
2024	$2,142.00	$236,100 Land $76,900 Building $159,200	$236,100 Land $76,900 Building $159,200
2022		$221,500 Land $98,000 Building $123,500	$221,500 Land $98,000 Building $123,500

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

Flood

FEMA maps place 6714 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 6714 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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