St. Louis County property record for 8685 Spruce Dr, Iron, MN 55751
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 2 bd · 1 ba · 840 sqft · built 1963 |
| Lot Size | 25.5 acres (1,110,780 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Jul 2026) |
| Tax Bill | $452 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage May 2026 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 295-0017-00300 |
| Primary APN | 295-0017-00300 |
|---|---|
| Alternative APN |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 2 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Gross Area |
| 1st Floor Area | 840 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Architectural Style | Modular |
| Exterior Material | Composition/Composite |
| Construction Type | Frame |
| Lot Area | 1,110,780 sqft (25.5 acres) |
| Garage Area | 1,206 sqft |
| Porch | Slab |
|---|---|
| Porch Area | 100 sqft |
| Storage Building | 112 sqft |
| Sauna | Sauna |
| Cooling System | Central |
|---|---|
| Heating Fuel | Oil |
| Account Number | 1062573 |
|---|---|
| Street Address | 8685 SPRUCE DR |
| City | IRON |
| State | MN |
| Zip | 55751-8153 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | RES |
| Legal Description | N 660 FT OF LOT 5 EX HWY R/W AND N 660FT OF W 420 FT OF THAT PART OF SE1/4 OFNW1/4 LYING N OF THE NLY LINE OF LOT 6 SERIAL # |
| Legal Range | 18W |
| Legal Township | 57N |
| Legal Section | 26 |
| Legal Subdivision | CLINTON TOWN OF |
| Legal Lot Number | 5-6 |
| Jurisdiction | ST LOUIS MN |
| Township / Civil Division | CLINTON |
| Census Block Group | 2 |
| Census Block | 2050 |
| Census Tract | 13400 |
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 | 3832 HIGHWAY 7, IRON, MN 55751-8103 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Date | Document |
|---|---|
| Jul 31, 2026 | Warranty Deed, Transfer · Conventional Mortgage LOWER LLC |
| May 11, 2026 | Deed of Trust, Mortgage · Line of Credit MINERS NATIONAL BANK/EVELETH |
| Mar 8, 2017 | Grant Deed, Transfer MINERS NAT'L BK/EVELETH |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 31, 2026 · Amount on Record |
| Deed Sale | Jul 31, 2026 · Amount on Record |
| Prior Sale | Apr 2, 2009 · Amount on Record |
| Deed Document Number | 20261537512 |
| Prior Transfer Date | Aug 7, 2008 |
| Prior Transfer Doc | 0001099642 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Jul 31, 2026 |
| Property Address | 8685 SPRUCE DR, IRON, MN 55751-8153 |
| Document Number | 0001537512 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 20261537512 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2026 |
| Title Company | NORTH TITLE, UP NORTH TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $46,662.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 3832 HIGHWAY 7, IRON, MN 55751-8103 |
| Document Number | 0001537512, |
|---|---|
| Date | Jul 31, 2026 |
| Instrument | 20261537512 |
| Name | LOWER LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | May 11, 2026 |
| Property Address | 8685 SPRUCE DR, IRON, MN 55751-8153 |
| Document Number | 0001532349 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261532349 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NORTHCOAST TITLE, NORTHEAST TITLE |
| Name | Verified Name |
|---|---|
| Address | 3832 HIGHWAY 7, IRON, MN 55751-8103 |
| Document Number | 0001532349, |
|---|---|
| Date | May 11, 2026 |
| Instrument | 20261532349 |
| Name | MINERS NATIONAL BANK/EVELETH |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Apr 25, 2041 |
| Rate | 7.75% |
|---|---|
| Max Rate | -1% |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | ST LOUIS MN |
| Recording Date | Mar 8, 2017 |
| Property Address | 8685 SPRUCE DR, IRON, MN 55751-8153 |
| Document Number | 00A1305427 |
| Instrument Date | Mar 3, 2017 |
| Instrument | A1305427 |
| Transaction Type | Transfer |
| Record Updated | Mar 20, 2017 |
| Title Company | SELLMAN TITLE COMPANY, SELLMAN TITLE CO |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 651 3RD ST TRACY MN 561751239, TRACY, MN 56175-1239 |
| Document Number | A1305428 |
|---|---|
| Date | Mar 8, 2017 |
| Instrument | A1305428 |
| Name | MINERS NAT'L BK/EVELETH |
|---|---|
| Type | Bank |
| Address | EVELETH, MN 55734 |
| Amount | Amount Recorded |
|---|---|
| Term | 180 Months |
| Due | Mar 7, 2032 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 3.75% |
Source: St. Louis County assessment roll, as of August 17, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | St. Louis County |
| County Subdivision | Clinton Township |
| Unified School District | St. Louis County School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $452.00 (+5.12%) Homeowner's exemption | ||
| 2025 | $430.00 (-30.65%) Homeowner's exemption | $124,600 (-0.8%) Land $68,600 Building $56,000 | $124,600 (-0.8%) Land $68,600 Building $56,000 |
| 2024 | $620.00 | $125,600 (+15.76%) Land $68,600 Building $57,000 | $125,600 (+15.76%) Land $68,600 Building $57,000 |
| 2022 | $108,500 Land $58,300 Building $50,200 | $108,500 Land $58,300 Building $50,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 24, 2025
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 37 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Paul Bunyan Communications Fiber | 1,000 / 1,000 |
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