1070 Mitchell Ave, Clearwater, MN 55320 Property Records

Wright County property record for 1070 Mitchell Ave, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,170 sqft · built 2010
Lot Size	0.277 acres (12,076 sqft)
Owner	2 Individual Names on Record
Tax Bill	$3,302 (2026)
Deeds & Mortgages	Jun 2021 Mortgage Oct 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-038-006190`

Property Details

APN / Parcel Number

Primary APN	`104-038-006190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	776 sqft
Finished Basement	776 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2010
Effective Year Built	Effective 2011
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Material	Wood Shingle
Lot Area	12,076 sqft (0.277 acres)
Garage Type	Attached
Garage Area	700 sqft
Parking Spaces	2 Parking Spaces
Porch	Porch
Porch Area	28 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	1070 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-019 BLOCK-006 -006
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 3RD ADDN
Legal Block	6
Legal Lot Number	19
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1073
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	1070 MITCHELL AVE, CLEARWATER, MN 55320-4582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2021	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Oct 7, 2019	Intrafamily Transfer, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP
Nov 16, 2018	Warranty Deed, Transfer · Stand-Alone Second Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2019
Deed Sale	Oct 7, 2019
Prior Sale	Nov 16, 2018 · Amount on Record
Deed Document Number	20191407471
Prior Transfer Date	Sep 30, 2019
Prior Transfer Doc	0001407471
Record Updated	Sep 20, 2026

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	1070 MITCHELL AVE, CLEARWATER, MN 55320-4582
Transaction Type	Mortgage
Record Updated	Jul 6, 2021
Title Company	CAMBRIA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001472862
Date	Jun 8, 2021
Instrument	1472862

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

October 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Oct 7, 2019
Property Address	1070 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	0001407471
Instrument Date	Sep 30, 2019
Instrument	1407471
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	TITLE ONE INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1070 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	0001407472
Date	Oct 7, 2019
Instrument	1407472

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2049

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 16, 2018
Property Address	1070 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	0001384309
Instrument Date	Oct 19, 2018
Instrument	1384309
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$673.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1070 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	0001384311
Date	Nov 16, 2018
Instrument	1384311

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Lending Institution
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2048

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	$3,302.00 (+7.49%)	$297,700 (+3.05%) Land $61,000 Building $236,700	$297,700 (+3.05%) Land $61,000 Building $236,700
2025		$288,900 (-0.62%) Land $61,000 Building $227,900	$288,900 (-0.62%) Land $61,000 Building $227,900
2023	$3,072.00 (-1.48%)	$290,700 Land $66,000 Building $224,700	$290,700 Land $66,000 Building $224,700
2022	$3,118.00

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 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.03% 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 39 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
Starlink Satellite	280 / 30

May also be available: Verizon, Xtratyme Technologies.

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