Wright County property record for 183 Cardinal Ln, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,516 sqft · built 2000 |
| Lot Size | 0.155 acres (6,755 sqft) |
| Owner | 2 Trust Names on File |
| Last Sale | $309,900 (Jul 2026) |
| Tax Bill | $3,348 (2026) |
| Deeds & Mortgages | Jul 2026 Sale Oct 2023 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-022-003080 |
| Primary APN | 104-022-003080 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,516 sqft Living Area |
| 1st Floor Area | 1,516 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2000 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 6,755 sqft (0.155 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 38 sqft |
| Deck Area | 144 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 183 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 PLAT 3 LOT-008 BLOCK-003 BLOCK-003 |
| Legal Range | 027 |
| Legal Township | 122 |
| Legal Section | 02 |
| Legal Subdivision | CLEARWATER ESTATES |
| Legal Block | 3 |
| Legal Lot Number | 8 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1013 |
| Census Tract | 100300 |
183 Cardinal Ln is owner-occupied and held in a trust since July 2026.
Source: Wright County records, as of August 14, 2026
| Owner of Record | 2 Trust Names on File |
|---|---|
| Mailing Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| 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.
| Date | Document |
|---|---|
| Jul 27, 2026 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Oct 12, 2023 | Warranty Deed, Transfer · Conventional Mortgage PLAZA HOME MORTGAGE INC |
| Oct 12, 2023 | Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jul 27, 2026 · Amount on File |
| Deed Sale | Jul 27, 2026 · Amount on File |
| Prior Sale | Oct 6, 2023 · Amount on File |
| Deed Document Number | 20261608385 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 27, 2026 |
| Property Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Number | 0001608385 |
| Instrument Date | Jul 22, 2026 |
| Instrument | 20261608385 |
| Transaction Type | Transfer |
| Record Updated | Aug 14, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $103,289.67 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Trust |
| Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Oct 12, 2023 |
| Property Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Number | 00A1540409 |
| Instrument Date | Oct 6, 2023 |
| Instrument | A1540409 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $990.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Number | 00A1540410 |
|---|---|
| Date | Oct 12, 2023 |
| Instrument | A1540410 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Oct 12, 2023 |
| Property Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
| Document Number | 00A1540408 |
| Instrument Date | Oct 4, 2023 |
| Instrument | A1540408 |
| Transaction Type | Transfer |
| Record Updated | Nov 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 183 CARDINAL LN, CLEARWATER, MN 55320-2026 |
The 2026 property tax bill for 183 Cardinal Ln was $3,348.
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 | $3,348.00 | $286,000 (-2.19%) Land $41,000 Building $245,000 | $286,000 (-2.19%) Land $41,000 Building $245,000 |
| 2025 | $292,400 Land $31,000 Building $261,400 | $292,400 Land $31,000 Building $261,400 | |
| 2023 | $2,974.00 (+14.3%) | $273,200 Land $25,000 Building $248,200 | $273,200 Land $25,000 Building $248,200 |
| 2022 | $2,602.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 183 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 183 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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