239 Stark Rd, Cloquet, MN 55720 Property Records

Carlton County property record for 239 Stark Rd, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	7.27 acres (316,681 sqft)
Owner	Individual Name on File
Tax Bill	$5,536 (2026)
Deeds & Mortgages	Feb 2019 Refinance Jun 2009 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`78-020-1090`

Property Details

APN / Parcel Number

Primary APN	`78-020-1090`
Alternative APN	`25442`

Exterior

Lot Area	316,681 sqft (7.27 acres)

Location & Zoning

Account Number	25442
Street Address	239 STARK RD
City	CLOQUET
State	MN
Zip	55720-9428
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 OF SW1/4 OF SE1/4 EX E1/2 OF E1/2 TOWN OF THOMSON TOWNSHIP
Legal Range	16
Legal Township	49
Legal Section	06
Legal Subdivision	TOWN OF THOMSON TOWNSHIP
Jurisdiction	CARLTON MN
Township / Civil Division	THOMSON
Census Block Group	2
Census Block	2004
Census Tract	70300

Owner

239 Stark Rd is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	239 STARK RD, CLOQUET, MN 55720-9428
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
Feb 20, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance PROCTOR FCU
Jun 5, 2009	Deed of Trust, Mortgage · Conventional Mortgage METROPOLITAN FINANCIAL MORTGAGE COMPANY
Oct 26, 2012	Deed of Trust, Mortgage · Conventional Mortgage CONSUMER LOAN SERVICES LLC
Nov 2, 2011	Deed of Trust, Mortgage · Conventional Mortgage PLAZA HOME MORTGAGE INC
Oct 12, 2012	Deed of Trust, Mortgage · Line of Credit PROCTOR FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

February 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	239 STARK RD, CLOQUET, MN 55720-9428
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000484749
Date	Feb 20, 2019
Instrument	A000484749

Lender

Name	PROCTOR FCU

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	241 Months
Due	Mar 1, 2039

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	239 STARK RD, CLOQUET, MN 55720-9428
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	CARLTON COMPANY ABSTRACT, CARLTON CO ABSTRACT TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000424596
Date	Jun 5, 2009
Instrument	A000424596

Lender

Name	METROPOLITAN FINANCIAL MORTGAGE COMPANY
Address	MINNEAPOLIS, MN 55423

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jun 1, 2024

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	239 STARK RD, CLOQUET, MN 55720-9428
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	RES TITLE, RELS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000446769
Date	Oct 26, 2012
Instrument	A000446769

Lender

Name	CONSUMER LOAN SERVICES LLC
Type	Mortgage Company
Address	LA CROSSE, WI 54603

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	181 Months
Due	Nov 1, 2027

November 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	239 STARK RD, CLOQUET, MN 55720-9428
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000440176
Date	Nov 2, 2011
Instrument	A000440176

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Nov 1, 2026

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	239 STARK RD, CLOQUET, MN 55720-9428
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000446473
Date	Oct 12, 2012
Instrument	A000446473

Lender

Name	PROCTOR FEDERAL CREDIT UNION
Address	DULUTH, MN 55810

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Oct 11, 2032

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

The 2026 property tax bill for 239 Stark Rd was $5,536 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
County Subdivision	Thomson Township
Unified School District	Esko Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,536.00 Homeowner's exemption
2025		$475,300 (+4.05%) Land $123,800 Building $351,500	$475,300 (+4.05%) Land $123,800 Building $351,500
2024	$5,032.00 Homeowner's exemption	$456,800 (+9.47%) Land $123,800 Building $333,000	$456,800 (+9.47%) Land $123,800 Building $333,000
2023	$5,032.00 Homeowner's exemption	$417,300 (-) Land $116,400 Building $300,900	$417,300 (-) Land $116,400 Building $300,900
2022		$417,300 Land $116,400 Building $300,900	$417,300 Land $116,400 Building $300,900

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

Flood

FEMA maps place 239 Stark Rd in Zone X, an area of minimal flood risk, though there have been 6 flood claims nearby since 1985.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	6 in force
Nearby Flood Claims	6 (1985–2012)
Claims Outside the SFHA	3 of 6
Most Recent Claim	Jun 2012 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2012 · 3 claims

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

Wildfire risk around 239 Stark 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	Direct burnable vegetation

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 8 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Airfiber Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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