Wright County property record for 105 Bluff St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 1,260 sqft · built 1998 |
| Lot Size | 0.465 acres (20,296 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $171,424 (Aug 2016) |
| Tax Bill | $3,600 (2026) |
| Deeds & Mortgages | Sep 2021 Mortgage Nov 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-023-001010 |
| Primary APN | 104-023-001010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,260 sqft Living Area |
| 1st Floor Area | 1,250 sqft |
| Basement Area | 1,136 sqft |
| Finished Basement | 1,136 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 2000 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 20,296 sqft (0.465 acres) |
| Garage Type | Attached |
| Garage Area | 936 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 198 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 105 BLUFF ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 MILL POND ADDN LOT-001 BLOCK-001 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | MILL POND ADDN |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 100300 |
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 | 105 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU |
| Nov 23, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 9, 2016 · Amount on Record |
| Deed Sale | Aug 9, 2016 · Amount on Record |
| Prior Sale | Oct 16, 1998 · Amount on Record |
| Deed Document Number | 20161321541 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 105 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Transaction Type | Mortgage |
| Record Updated | Oct 22, 2021 |
| Name | Verified Name |
|---|---|
| Address | 105 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Document Number | 0001485605 |
|---|---|
| Date | Sep 30, 2021 |
| Instrument | 1485605 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 85 Months |
| Due | Oct 27, 2028 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 23, 2020 |
| Property Address | 105 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Document Number | 0001449110 |
| Instrument Date | Oct 13, 2020 |
| Instrument | 1449110 |
| Transaction Type | Transfer |
| Record Updated | Dec 22, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 105 BLUFF ST CLEARWATER MN 553202043, CLEARWATER, MN 55320-2043 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,600.00 (+1.87%) | $284,000 (+4.18%) Land $46,100 Building $237,900 | $284,000 (+4.18%) Land $46,100 Building $237,900 |
| 2025 | $272,600 (+4.09%) Land $36,000 Building $236,600 | $272,600 (+4.09%) Land $36,000 Building $236,600 | |
| 2023 | $3,534.00 (+7.29%) | $261,900 Land $36,000 Building $225,900 | $261,900 Land $36,000 Building $225,900 |
| 2022 | $3,294.00 |
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 April 19, 2026 · 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 500 ft |
| 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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 | 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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
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