Wright County property record for 154 Cardinal Ln, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,424 sqft · built 1994 |
| Lot Size | 0.112 acres (4,900 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $269,900 (Jul 2024) |
| Tax Bill | $2,882 (2026) |
| Deeds & Mortgages | Sep 2025 Mortgage Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-019-003420 |
| Primary APN | 104-019-003420 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,424 sqft Living Area |
| 1st Floor Area | 1,424 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 4,900 sqft (0.112 acres) |
| Garage Type | Attached |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 60 sqft |
| Deck Area | 111 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 154 CARDINAL LN |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2026 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-02 TWP-122 RANGE-027 CLEARWATER ESTATES LOT-042 BLOCK-003 03 |
| Legal Range | 027 |
| Legal Township | 122 |
| Legal Section | 02 |
| Legal Subdivision | CLEARWATER ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 42 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1014 |
| Census Tract | 100300 |
154 Cardinal Ln is owned and occupied by two individuals who bought it in July 2024.
Source: Wright County records, as of July 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 154 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| 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.
| Date | Document |
|---|---|
| Sep 24, 2025 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 11, 2019 | Grant Deed, Transfer CUSTOM TITLE SERVICES, INC. |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 15, 2024 · Amount on File |
| Deed Sale | Jul 15, 2024 · Amount on File |
| Prior Sale | Sep 11, 2019 · Amount on File |
| Deed Document Number | 20241669600 |
| Prior Transfer Date | Apr 23, 2014 |
| Prior Transfer Doc | 00A1310761 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 154 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Transaction Type | Mortgage |
| Record Updated | Nov 7, 2025 |
| Title Company | UNKNOWN, PARTNERS TITLE |
| Name | Verified Name |
|---|---|
| Address | 154 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Number | 00A1586045 |
|---|---|
| Date | Sep 24, 2025 |
| Instrument | A1586045 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Address | PONTIAC, MI 48341 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Sep 11, 2019 |
| Property Address | 154 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Number | 0001405265 |
| Instrument Date | Sep 6, 2019 |
| Instrument | 1405265 |
| Transaction Type | Transfer |
| Record Updated | Oct 3, 2019 |
| Title Company | CUSTOM TITLE SERVICES, INC. |
| Amount | Amount on Record |
|---|---|
| Tax | $554.40 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 154 CARDINAL LN CLEARWATER MN 553202026, CLEARWATER, MN 55320-2026 |
The 2026 property tax bill for 154 Cardinal Ln was $2,882.
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 | $2,882.00 | $261,700 (+1.71%) Land $41,000 Building $220,700 | $261,700 (+1.71%) Land $41,000 Building $220,700 |
| 2025 | $257,300 Land $31,000 Building $226,300 | $257,300 Land $31,000 Building $226,300 | |
| 2023 | $239,000 Land $25,000 Building $214,000 | $239,000 Land $25,000 Building $214,000 | |
| 2022 | $2,590.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 154 Cardinal Ln in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.
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 100 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.
Wildfire risk around 154 Cardinal Ln 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.
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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 2,000 / 350 |
| Verizon Fixed Wireless | 300 / 20 |
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