1090 Reponen Rd, Cloquet, MN 55720 Property Records

Carlton County property record for 1090 Reponen Rd, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	23.9 acres (1,041,084 sqft)
Owner	Individual Name on File
Tax Bill	$3,084 (2026)
Deeds & Mortgages	Oct 2015 Mortgage Oct 2009 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`92-022-4880`

Property Details

APN / Parcel Number

Primary APN	`92-022-4880`
Alternative APN	`34440`

Exterior

Lot Area	1,041,084 sqft (23.9 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	34440
Street Address	1090 REPONEN RD
City	CLOQUET
State	MN
Zip	55720-3364
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SW1/4 OF SW1/4 LY N OF OTTER CREEK TOWN OF PERCH LAKE
Legal Range	18
Legal Township	49
Legal Section	25
Legal Subdivision	OTTER CREEK
Jurisdiction	CARLTON MN
Township / Civil Division	PERCH LAKE
Census Block Group	2
Census Block	2015
Census Tract	940000

Owner

1090 Reponen Rd is owned and occupied by an individual who acquired it in October 2009.

Source: Carlton County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	1090 REPONEN RD, CLOQUET, MN 55720-3364
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 8, 2015	Deed of Trust, Mortgage · Conventional Mortgage AGSTAR FINANCIAL SERVICES ACA
Oct 19, 2009	Transfer on Death Deed, Transfer
Oct 19, 2009	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Oct 13, 2009
Transfer Doc	0000427448
Record Updated	Sep 20, 2026

October 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	1090 REPONEN RD, CLOQUET, MN 55720-3364
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	CARLTON COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000465120
Date	Oct 8, 2015
Instrument	A000465120

Lender

Name	AGSTAR FINANCIAL SERVICES ACA
Type	Funding / Finance Company
Address	MANKATO, MN 56001

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2030

October 2009: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 19, 2009
Property Address	1090 REPONEN RD, CLOQUET, MN 55720-3364
Document Number	A000427448
Instrument Date	Oct 13, 2009
Instrument	A000427448
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1090 REPONEN RD, CLOQUET, MN 55720-3364

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

October 2009: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 19, 2009
Property Address	1090 REPONEN RD, CLOQUET, MN 55720-3364
Document Number	A000427449
Instrument Date	Oct 13, 2009
Instrument	A000427449
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Additional	Intrafamily Transfer Partial Parcel

Transferred From (Grantor/Seller)

Name	Verified Name
Address	1090 REPONEN RD, CLOQUET, MN 55720-3364

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 1090 Reponen Rd was $3,084 with a homeowner's exemption.

Source: Carlton County assessment roll, as of April 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
County Subdivision	Perch Lake Township
Unified School District	Carlton Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,084.00 Homeowner's exemption
2025		$305,600 (+3.87%) Land $82,300 Building $223,300	$305,600 (+3.87%) Land $82,300 Building $223,300
2024	$2,926.00 Homeowner's exemption	$294,200 (+4.92%) Land $82,300 Building $211,900	$294,200 (+4.92%) Land $82,300 Building $211,900
2023	$2,926.00 Homeowner's exemption	$280,400 (-) Land $77,200 Building $203,200	$280,400 (-) Land $77,200 Building $203,200
2022		$280,400 Land $77,200 Building $203,200	$280,400 Land $77,200 Building $203,200

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

Flood

FEMA maps place 1090 Reponen Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 1090 Reponen Rd is low, with a 0.02% annual chance of 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	0.02% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fond du Lac Communications Fiber	1,000 / 1,000

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