1305 Summit Ave, Cloquet, MN 55720 Property Records

Carlton County property record for 1305 Summit Ave, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.173 acres (7,558 sqft)
Owner	2 Individual Names on File
Last Sale	$303,000 (Aug 2024)
Tax Bill	$4,900 (2026)
Deeds & Mortgages	Aug 2024 Mortgage Jun 2021 Refinance + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-085-0260`

Property Details

APN / Parcel Number

Primary APN	`06-085-0260`
Alternative APN	`1746`

Exterior

Lot Area	7,558 sqft (0.173 acres)

Location & Zoning

Account Number	1746
Street Address	1305 SUMMIT AVE
City	CLOQUET
State	MN
Zip	55720-1379
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF CLOQUET CO AUD SUBD NO 25
Legal Subdivision	CO AUD SUBD NO 25
Legal Block	2
Legal Lot Number	10
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	1
Census Block	1000
Census Tract	70401

Owner

1305 Summit Ave is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	1305 SUMMIT AVE, CLOQUET, MN 55720-1379
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
Aug 22, 2024	Warranty Deed, Transfer · Conventional Mortgage NATIONAL BANK OF COMMERCE
Jun 22, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHVIEW BANK
Aug 28, 2018	Deed of Trust, Mortgage NORTHVIEW BANK
Oct 17, 2017	Deed of Trust, Mortgage NORTHWOODS CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 16, 2024 · Amount on File
Deed Sale	Aug 16, 2024 · Amount on File
Prior Sale	Jun 5, 2013 · Amount on File
Deed Document Number	20241682533
Record Updated	Sep 20, 2026

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 22, 2024
Property Address	1305 SUMMIT AVE, CLOQUET, MN 55720-1379
Document Number	A000517909
Instrument Date	Aug 19, 2024
Instrument	A000517909
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1305 SUMMIT AVE, CLOQUET, MN 55720-1379

Mortgage

Document Number	A000517910
Date	Aug 22, 2024
Instrument	A000517910

Lender

Name	NATIONAL BANK OF COMMERCE
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

June 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	1305 SUMMIT AVE, CLOQUET, MN 55720-1379
Transaction Type	Mortgage
Record Updated	Aug 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000499879
Date	Jun 22, 2021
Instrument	A000499879

Lender

Name	NORTHVIEW BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2051

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	1305 SUMMIT AVE, CLOQUET, MN 55720-1379
Transaction Type	Mortgage
Record Updated	Sep 26, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000481950
Date	Aug 28, 2018
Instrument	A000481950

Lender

Name	NORTHVIEW BANK
Type	Bank

Agreement

Amount	Amount on Record

October 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	1305 SUMMIT AVE, CLOQUET, MN 55720-1379
Transaction Type	Mortgage
Record Updated	Nov 7, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, A000476951
Date	Oct 17, 2017
Instrument	A000476951

Lender

Name	NORTHWOODS CU
Type	Credit Union
Address	CLOQUET, MN 55720

Agreement

Amount	Amount on Record
Term	120 Months
Due	Oct 12, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 1305 Summit Ave was $4,900 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
Municipality	Cloquet City
Unified School District	Cloquet Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,900.00 Homeowner's exemption
2025		$303,700 (+4.04%) Land $17,700 Building $286,000	$303,700 (+4.04%) Land $17,700 Building $286,000
2024	$4,546.00 Homeowner's exemption	$291,900 (+4.36%) Land $17,700 Building $274,200	$291,900 (+4.36%) Land $17,700 Building $274,200
2023	$4,546.00 Homeowner's exemption	$279,700 (-) Land $17,700 Building $262,000	$279,700 (-) Land $17,700 Building $262,000
2022		$279,700 Land $17,700 Building $262,000	$279,700 Land $17,700 Building $262,000

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

Flood

FEMA maps place 1305 Summit Ave 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 1305 Summit Ave is low, with a 0.01% 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	0.01% 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	Cloquet serves 12,864 people · EPA ID MN1090005
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 69 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Airfiber.

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