Stearns County property record for 906 Spruce Dr, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.5 ba · 1,976 sqft · built 1968 |
| Lot Size | 0.44 acres (19,166 sqft) |
| Owner | Individual Name on File |
| Last Sale | $209,000 (Jul 2019) |
| Tax Bill | $3,426 (2026) |
| Deeds & Mortgages | Jul 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-50305-0530 |
| Primary APN | 82-50305-0530 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,976 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Roof Material | Asphalt |
| Lot Area | 19,166 sqft (0.44 acres) |
| Lot Width | 188 ft Width |
| Garage Area | 692 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 906 SPRUCE DR |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-0714 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 017 BLK 001 RIVER TERRACE ADD SECTION 08 TOWNSHIP 124 RANGE 028 SECTION 08 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 08 |
| Legal Subdivision | RIVER TERRACE ADD |
| Legal Block | 1 |
| Legal Lot Number | 17 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1003 |
906 Spruce Dr is owned and occupied by an individual who bought it in July 2019.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 906 SPRUCE DR, SAINT CLOUD, MN 56303-0714 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 2, 2019 · Amount on File |
| Deed Sale | Jul 2, 2019 · Amount on File |
| Prior Sale | Jul 29, 2014 · Amount on File |
| Deed Document Number | 20191546916 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 2, 2019 |
| Property Address | 906 SPRUCE DR, SAINT CLOUD, MN 56303-0714 |
| Document Number | 00A1546916 |
| Instrument Date | Jun 20, 2019 |
| Instrument | A1546916 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 906 SPRUCE DR, SAINT CLOUD, MN 56303-0714 |
The 2026 property tax bill for 906 Spruce Dr was $3,426.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,426.00 | $251,500 (-) Land $40,000 Building $211,500 | $251,500 (-) Land $40,000 Building $211,500 |
| 2025 | $251,500 Land $40,000 Building $211,500 | $251,500 Land $40,000 Building $211,500 | |
| 2023 | $2,820.00 | $241,400 Land $40,000 Building $201,400 | $241,400 Land $40,000 Building $201,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 906 Spruce Dr in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 100 ft |
| 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 risk around 906 Spruce Dr 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 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Saint Cloud serves 71,321 people · EPA ID MN1730027 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Intrepid Fiber Networks Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| CenturyLink DSL | 140 / 20 |
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