Wright County property record for 140 Bluff St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 2,256 sqft · built 1967 |
| Lot Size | 0.478 acres (20,836 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $206,000 (Jun 2025) |
| Tax Bill | $1,820 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Nov 2021 Assignment + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-500-352302 |
| Primary APN | 104-500-352302 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 2,256 sqft Living Area |
| 1st Floor Area | 2,256 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1967 |
|---|---|
| Effective Year Built | Effective 1977 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 20,836 sqft (0.478 acres) |
| Garage Area | 640 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 140 sqft |
| Deck Area | 384 sqft |
| Storage Building | 70 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 140 BLUFF ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2043 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 UNPLATTED LAND CLEARWATER PRT OF SW1/4 OF NW1/4 DES BEG AT A PT ON E LN OF BLUFF AVE EXT IN VILL OF |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | UNPLATTED LAND CLEARWATER |
| Legal Block | 16 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 100300 |
Source: Wright County records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 140 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 21, 2020 | Deed of Trust, Mortgage · Commercial Mortgage GLENWOOD STATE BANK |
| Nov 16, 2021 | Assignment of Deed, Transfer QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING |
| Nov 5, 2018 | Loan Modification, Mortgage MINNWEST BK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 12, 2025 · Amount on Record |
| Deed Sale | Jun 12, 2025 · Amount on Record |
| Prior Sale | Jun 12, 2025 · Amount on Record |
| Deed Document Number | 20251578670 |
| Prior Transfer Date | Jun 27, 1997 |
| Prior Transfer Doc | 0000057857 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 140 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Transaction Type | Mortgage |
| Record Updated | Dec 28, 2021 |
| Title Company | QUARRY TITLE |
| Name | Verified Name |
|---|---|
| Address | 544 25TH AVE N, SAINT CLOUD, MN 56303-3238 |
| Document Number | 0001452698 |
|---|---|
| Date | Dec 21, 2020 |
| Instrument | 1452698 |
| Name | GLENWOOD STATE BANK |
|---|---|
| Type | Bank |
| Address | GLENWOOD, MN 56334 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Dec 10, 2025 |
| Document Type | Assignment of Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 16, 2021 |
| Property Address | 140 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Document Number | 0001490580 |
| Instrument Date | Dec 15, 2020 |
| Instrument | 1490580 |
| Transaction Type | Transfer |
| Record Updated | Dec 28, 2021 |
| Title Company | QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 550 25TH AVE N, 550, SAINT CLOUD, MN 56303-3255 |
| Name | Verified Name |
|---|---|
| Address | 140 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 140 BLUFF ST, CLEARWATER, MN 55320-2043 |
| Document Number | 0001383795 |
| Instrument Date | Nov 5, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 550 25TH AVE N ST CLOUD MN 563033255, ST CLOUD, MN 56303-3255 |
| Document Number | 0001383795 |
|---|---|
| Date | Nov 9, 2018 |
| Instrument | 1383795 |
| Name | MINNWEST BK |
|---|---|
| Type | Bank |
| Address | ST CLOUD, MN 56302-7429 |
| Term | 60 Months |
|---|---|
| Due | Nov 8, 2023 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,820.00 (-16.36%) | $210,100 (+19.38%) Land $46,200 Building $163,900 | $210,100 (+19.38%) Land $46,200 Building $163,900 |
| 2025 | $176,000 (-2.92%) Land $36,000 Building $140,000 | $176,000 (-2.92%) Land $36,000 Building $140,000 | |
| 2023 | $2,176.00 (-4.98%) | $181,300 Land $36,000 Building $145,300 | $181,300 Land $36,000 Building $145,300 |
| 2022 | $2,290.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
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