1386 Stephen Rd, Cloquet, MN 55720 Property Records

Carlton County property record for 1386 Stephen Rd, Cloquet, MN 55720

Property Summary

Property Type	Residential Vacant Land
Lot Size	0.459 acres (19,997 sqft)
Owner	2 Trust Names on File
Last Sale	$585,000 (Jul 2026)
Tax Bill	$398 (2026)
Deeds & Mortgages	Sep 2026 Transfer Jul 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-580-0460`

Property Details

APN / Parcel Number

Primary APN	`06-580-0460`
Alternative APN	`6457`

Exterior

Lot Area	19,997 sqft (0.459 acres)

Location & Zoning

Account Number	6457
Street Address	1386 STEPHEN RD
City	CLOQUET
State	MN
Zip	55720-2921
Property Category	Residential
Property Type	Vacant Land > Residential
Legal Description	ANTUS THIRD ADDITION
Legal Subdivision	ANTUS THIRD ADDITION
Legal Block	2
Legal Lot Number	6
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	2
Census Block	2021
Census Tract	70200

Owner

1386 Stephen Rd, residential vacant land, is owner-occupied and held in a trust since August 2026.

Source: Carlton County records, as of October 2, 2026

Owner of Record	2 Trust Names on File
Mailing Address	1386 STEPHEN RD, CLOQUET, MN 55720-2921
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust

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
Sep 23, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jul 15, 2026	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORPORATION
May 13, 2025	Warranty Deed, Transfer CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CO ABSTRACT & TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 15, 2026 · Amount on File
Deed Sale	Jul 15, 2026 · Amount on File
Prior Sale	May 13, 2025 · Amount on File
Deed Document Number	2026527742
Last Transfer Date	Aug 19, 2026
Transfer Doc	0000528921
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Sep 23, 2026
Property Address	1386 STEPHEN RD, CLOQUET, MN 55720-2921
Document Number	0000528921
Instrument Date	Aug 19, 2026
Instrument	2026528921
Transaction Type	Transfer
Record Updated	Oct 2, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Trust

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 15, 2026
Property Address	1386 STEPHEN RD, CLOQUET, MN 55720-2921
Document Number	0000527742
Instrument Date	Jul 10, 2026
Instrument	2026527742
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$194,980.50
Amount Accuracy	Full Amount 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	1386 STEPHEN RD, CLOQUET, MN 55720-2921

Mortgage

Document Number	0000527743,
Date	Jul 15, 2026
Instrument	2026527743

Lender

Name	SUMMIT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

May 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	May 13, 2025
Property Address	1386 STEPHEN RD, CLOQUET, MN 55720-2921
Document Number	A000521332
Instrument Date	May 8, 2025
Instrument	A000521332
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CO ABSTRACT & TITLE

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
Address	1006 W TAYLOR AVE, CLOQUET, MN 55720-1581

Tax Assessment & Valuation

The 2026 property tax bill for 1386 Stephen Rd was $398 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	$398.00 Homeowner's exemption
2025		$22,200 (-) Land $22,200	$22,200 (-) Land $22,200
2024	$400.00 Homeowner's exemption	$22,200 (-) Land $22,200	$22,200 (-) Land $22,200
2023	$400.00 Homeowner's exemption	$22,200 (-) Land $22,200	$22,200 (-) Land $22,200
2022		$22,200 Land $22,200	$22,200 Land $22,200

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 1386 Stephen 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 1386 Stephen Rd 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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 72 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable	1,000 / 50

May also be available: Airfiber.

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