6726 Spruce Rd, Alborn, MN 55702 Property Records

St. Louis County property record for 6726 Spruce Rd, Alborn, MN 55702

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,040 sqft · built 2006
Lot Size	0.994 acres (43,327 sqft)
Owner	Individual Name on File
Last Sale	$87,036 (Jan 2021)
Tax Bill	$2,612 (2026)
Deeds & Mortgages	Mar 2020 Mortgage Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`205-0028-00010`

Property Details

APN / Parcel Number

Primary APN	`205-0028-00010`
Alternative APN	`775768`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,040 sqft Gross Area
1st Floor Area	1,040 sqft
Basement Area	800 sqft
Finished Basement	800 sqft

Exterior

Year Built	Built 2006
Effective Year Built	Effective 2006
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	43,327 sqft (0.994 acres)
Garage Area	720 sqft
Deck Area	198 sqft
Storage Building	36 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	775768
Street Address	6726 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: 0001 BLOCK:001 SERIAL #
Legal Subdivision	LAKE HEIGHTS DIVISION
Legal Block	1
Legal Lot Number	1
Jurisdiction	ST LOUIS MN
Township / Civil Division	ALBORN
Census Block Group	1
Census Block	1005
Census Tract	11200

Owner

6726 Spruce Rd is owned and occupied by an individual who bought it in January 2021.

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

Owner of Record	Individual Name on File
Mailing Address	6726 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
Mar 30, 2020	Deed of Trust, Mortgage · Conventional with PMI AFFINITY PLUS FCU
Dec 5, 2017	Deed of Trust, Mortgage SUPERIOR CHOICE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on File
Deed Sale	Jan 11, 2021 · Amount on File
Prior Sale	Feb 8, 2005 · Amount on File
Deed Document Number	20211035033
Prior Transfer Date	Oct 17, 2006
Prior Transfer Doc	0000828171
Record Updated	Sep 20, 2026

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6726 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	00T1022026
Instrument Date	Mar 30, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	OTHER

Transaction

Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6726 SPRUCE RD ALBORN MN 557028279, ALBORN, MN 55702-8279

Mortgage

Document Number	00T1022026
Date	Apr 6, 2020
Instrument	T1022026

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 5, 2050

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6726 SPRUCE RD, ALBORN, MN 55702-8279
Document Number	000T993162
Instrument Date	Dec 5, 2017
Transaction Type	Mortgage
Record Updated	Jan 19, 2018
Title Company	ARROWHEAD TITLE COMPANY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6726 SPRUCE RD ALBORN MN 557028279, ALBORN, MN 55702-8279

Mortgage

Document Number	000T993162
Date	Dec 13, 2017
Instrument	T993162

Lender

Name	SUPERIOR CHOICE CU
Type	Credit Union
Address	SUPERIOR, WI 54880

Agreement

Amount	Amount on Record
Term	360 Months
Due	Dec 12, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 6726 Spruce Rd was $2,612 with a homeowner's exemption, up 18.5% 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	$2,612.00 (+18.51%) Homeowner's exemption
2025	$2,204.00 (-9.82%) Homeowner's exemption	$326,600 (+14.44%) Land $42,500 Building $284,100	$326,600 (+14.44%) Land $42,500 Building $284,100
2024	$2,444.00	$285,400 Land $41,000 Building $244,400	$285,400 Land $41,000 Building $244,400
2022		$246,000 Land $69,300 Building $176,700	$246,000 Land $69,300 Building $176,700

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

Flood

FEMA maps place 6726 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 6726 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 94% of the US · lower than 82% 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.

Cell Coverage

5G (outdoors only) and 4G LTE

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