1045 Mitchell Ave, Clearwater, MN 55320 Property Records

Wright County property record for 1045 Mitchell Ave, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 976 sqft · built 2007
Lot Size	0.475 acres (20,721 sqft)
Owner	2 Individual Names on Record
Last Sale	$260,000 (Feb 2023)
Tax Bill	$2,922 (2026)
Deeds & Mortgages	Feb 2023 Sale & Mortgage Oct 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-038-005060`

Property Details

APN / Parcel Number

Primary APN	`104-038-005060`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	976 sqft Living Area
1st Floor Area	976 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2008
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	20,721 sqft (0.475 acres)
Garage Type	Attached
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	32 sqft
Deck Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1045 MITCHELL AVE
City	CLEARWATER
State	MN
Zip	55320-4582
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-122 RANGE-027 CEDAR SOUTH 3RD ADDN LOT-006 BLOCK-005 -005
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 3RD ADDN
Legal Block	5
Legal Lot Number	6
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1072
Census Tract	100300

Owner

Source: Wright County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1045 MITCHELL AVE, CLEARWATER, MN 55320-4582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 21, 2023	Warranty Deed, Transfer · FHA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP
Oct 16, 2020	Deed of Trust, Mortgage · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Feb 19, 2019	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 17, 2023 · Amount on Record
Deed Sale	Feb 17, 2023 · Amount on Record
Prior Sale	Feb 19, 2019 · Amount on Record
Deed Document Number	20231512369
Record Updated	Sep 20, 2026

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Feb 21, 2023
Property Address	1045 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	00A1526137
Instrument Date	Feb 17, 2023
Instrument	A1526137
Transaction Type	Transfer
Record Updated	Mar 28, 2023
Title Company	PILLAR TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$858.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1045 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	00A1526138
Date	Feb 21, 2023
Instrument	A1526138

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2053

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	1045 MITCHELL AVE, CLEARWATER, MN 55320-4582
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	LENDSERV NATL TTL & INFORMAT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001444214
Date	Oct 16, 2020
Instrument	1444214

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2050

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Feb 19, 2019
Property Address	1045 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	0001389884
Instrument Date	Feb 8, 2019
Instrument	1389884
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$626.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1045 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	0001389885
Date	Feb 19, 2019
Instrument	1389885

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Clearwater City
County	Wright County
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,922.00 (+13.7%)	$271,000 (+4.07%) Land $61,000 Building $210,000	$271,000 (+4.07%) Land $61,000 Building $210,000
2025		$260,400 (-1.36%) Land $61,000 Building $199,400	$260,400 (-1.36%) Land $61,000 Building $199,400
2023	$2,570.00 (+7.17%)	$264,000 Land $66,000 Building $198,000	$264,000 Land $66,000 Building $198,000
2022	$2,398.00

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

Flood

Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · 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	8 in force
Nearby Flood Claims	2 (1998–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2011 · other causes

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

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	0.01% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Clearwater serves 2,129 people · EPA ID MN1860025
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Cable	1,250 / 60

May also be available: Verizon.

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