Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $1,794 (2026).

What school district is this property in?

This property is in the 704 - Proctor school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 64 days.

Listed at

$120,000

$71/sqft

13 Spruce Drive

13 Spruce Drive, Duluth, MN, 55810

3 Bedrooms2 Bathrooms1,680 Square Feet

Days on market64

Year built1999

Garage spaces2

TypeResidential

Est. $600buyer credit when you buy with SODL

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About this home

3+ Bedroom Skyline located on one of the outer streets of Zenith Terrace with a 2- car detached garage. Outer amenities include a fenced-in area, decks, and additional spray foam insulation under the skirting. Inside, you'll find updated plumbing, new flooring, and a 4th room that could easily function as a bedroom, as well as a nice amount of closets, including a kitchen pantry. There is truly a lot to be desired in this home; don't miss your chance to make it yours.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built1999

LevelsOne

Living area1,680 sqft

Above-grade finished1,680 sqft

Below-grade finished0 sqft

Lot size0 acres (0)

Days on market64

ListedMay 18, 2026

MLS #NST7076599

CountySt. Louis

Parcel #010000000348

Facts & features

Interior

Bedrooms: 3
Bathrooms: 2
Bath breakdown: 2 full
Heating: Forced Air
Cooling: Central Air
Appliances: Dryer, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 20x28 · 560 sqft
Parking features: Detached Garage, Asphalt
Patio & porch: Deck
Exterior features: Vinyl
Lot dimensions: 0

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Steel Siding
Foundation: Slab · 1,680 sqft
Roof: Asphalt
Year built: 1999

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas

Community & HOA

HOA: No HOA
School district: 704 - Proctor
High school district: Proctor

Financial & listing details

Annual tax: $1,794 (2026)
Listed: May 18, 2026
Days on market: 64 · 53 cumulative
Manufactured home: Yes

Interior details

Total bathrooms2

Full baths2

3/4 baths0

Half baths0

1/4 baths0

BasementCrawl Space

HeatingForced Air

CoolingCentral Air

Fireplaces1

AppliancesDryer, Range, Refrigerator, Washer

DiningKitchen/Dining Room

AccessibilityNo Stairs Internal

Exterior & lot

ExteriorVinyl

RoofAsphalt

FoundationSlab

Foundation area1,680 sqft

Patio/porchDeck

Road frontagePaved Streets

Road responsibilityPrivate Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingDetached Garage, Asphalt

Garage spaces2

Garage size560 sqft

Financial details

Annual taxes$1,794

Tax year2026

Taxes w/ assessments1794

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District704 - Proctor

District number704

District phone2186284934

High schoolProctor

SODL flat fee brokerage

$600Estimated buyer credit

SODL platform fee $3,000Your buyer credit $600

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

Tour homes with SODL’s flexible showing network
Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$820/mo

Principal & interest$631

Property taxes$150

Home insurance (est.)$40

Down payment

$24,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.