1085 Mitchell Ave, Clearwater, MN 55320 Property Records

Wright County property record for 1085 Mitchell Ave, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,170 sqft · built 2010
Lot Size	0.486 acres (21,208 sqft)
Owner	2 Individual Names on File
Last Sale	$305,000 (Jul 2022)
Tax Bill	$3,542 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Mar 2023 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`104-038-004020`

Property Details

APN / Parcel Number

Primary APN	`104-038-004020`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	1,170 sqft
Basement Area	1,000 sqft
Finished Basement	1,000 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 Type	Gable
Roof Material	Wood Shingle
Lot Area	21,208 sqft (0.486 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	1085 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-002 BLOCK-004 -004
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 3RD ADDN
Legal Block	4
Legal Lot Number	2
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1053
Census Tract	100300

Owner

Source: Wright County records · APN 104-038-004020

Assessment roll updated July 20, 2026 · Last verified July 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 File
Mailing Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FEDERAL CREDIT UNION
Mar 01, 2023	Intrafamily Transfer, Transfer · Conventional Mortgage TRUSTONE FINANCIAL CU
Aug 04, 2022	Warranty Deed, Transfer · Conventional Mortgage TRUSTONE FINANCIAL CU
Jul 28, 2020	Warranty Deed, Transfer SUPREME LNDG
Mar 22, 2021	Intrafamily Transfer, Transfer RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jul 22, 2022 · Amount on Record
Deed Sale	Jul 22, 2022 · Amount on Record
Prior Sale	Jul 12, 2010 · Amount on Record
Deed Document Number	20221443526
Prior Transfer Date	Jul 20, 2020
Prior Transfer Doc	0001463447
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Recording Date	Jun 25, 2026
Property Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	0001605875
Instrument Date	Jun 16, 2026
Instrument	20261605875
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ANCONA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	0001605875,
Date	Jun 25, 2026
Instrument	20261605875

Lender

Name	TRUSTONE FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 01, 2036

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

March 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Mar 01, 2023
Property Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	00A1526536
Instrument Date	Feb 22, 2023
Instrument	A1526536
Transaction Type	Transfer
Record Updated	Apr 14, 2023
Title Company	ANCONA TITLE AND ESCROW

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	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	00A1526537
Date	Mar 01, 2023
Instrument	A1526537

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 01, 2053

Mortgage

Document Number	00A1526538
Date	Mar 01, 2023
Instrument	A1526538

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union
Address	MINNEAPOLIS, MN 55447

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 13, 2043

Interest

Rate Type	Adjustable Rate
Rate	8.86%
Type Change Date	Apr 01, 2028
Change Frequency	Annually
Min Rate At Change	6.86%
Max Rate At Change	10.8%
Index	Other
Max Rate	14.8%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 04, 2022
Property Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	00A1513683
Instrument Date	Jul 22, 2022
Instrument	A1513683
Transaction Type	Transfer
Record Updated	Sep 02, 2022
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,006.50
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	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582

Mortgage

Document Number	00A1513684
Date	Aug 04, 2022
Instrument	A1513684

Lender

Name	TRUSTONE FINANCIAL CU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2052

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 28, 2020
Property Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	0001434935
Instrument Date	Jul 20, 2020
Instrument	1434935
Transaction Type	Transfer
Record Updated	Sep 01, 2020
Title Company	STEARNS COUNTY ABSTRACT AND TITLE COMPANY, STEARNS CNTY ABS & TITLE CO

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$785.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1085 MITCHELL AVE CLEARWATER MN 553204582, CLEARWATER, MN 55320-4582

Mortgage

Document Number	1434936
Date	Jul 28, 2020
Instrument	1434936

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Jul 27, 2050

March 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Mar 22, 2021
Property Address	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Document Number	0001463447
Instrument Date	Jul 20, 2020
Instrument	1463447
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

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	1085 MITCHELL AVE, CLEARWATER, MN 55320-4582
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Wright County records · Assessment roll updated July 20, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,542.00 (+8.19%)	$316,900 (+3.22%) Land $61,000 Building $255,900	$316,900 (+3.22%) Land $61,000 Building $255,900
2025		$307,000 (+0.39%) Land $61,000 Building $246,000	$307,000 (+0.39%) Land $61,000 Building $246,000
2023	$3,274.00 (-4.66%)	$305,800 Land $66,000 Building $239,800	$305,800 Land $66,000 Building $239,800
2022	$3,434.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation at the parcel

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

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

May also be available: Verizon.

Based on FCC filings for 108 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Clearwater serves 2,129 people
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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.

1085 Mitchell Ave, Clearwater, MN 55320 Property Records

Property Summary

Property Details

APN / Parcel Number

Interior

Exterior

Utilities, Heating & Cooling

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

June 2026: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

March 2023: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Mortgage

Lender

Agreement

Interest

August 2022: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

July 2020: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2021: Intrafamily Transfer, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Drinking Water

Violations Reported to EPA

Nearby Properties on Mitchell Ave

Nearby Streets

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