240 Bluff St, Clearwater, MN 55320 Property Records

Wright County property record for 240 Bluff St, Clearwater, MN 55320 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,566 sqft · built 1993
Lot Size	0.289 acres (12,625 sqft)
Owner	2 Individual Names on File
Last Sale	$227,500 (Dec 2018)
Tax Bill	$496 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Dec 2018 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-010-016100`

Property Details

APN / Parcel Number

Primary APN	`104-010-016100`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,566 sqft Living Area
1st Floor Area	1,566 sqft
Basement Area	1,502 sqft
Finished Basement	1,502 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,625 sqft (0.289 acres)
Garage Area	808 sqft
Parking Spaces	3 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	32 sqft
Patio Area	176 sqft
Storage Building	60 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	240 BLUFF ST
City	CLEARWATER
State	MN
Zip	55320-2015
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LT10 & S1/2 OF LT11 BLK16 ALSO VAC ALLEY ADJ TO LT10 & S1/2OF LT11 /2 OF L
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ORIGINAL PLAT CLEARWATER
Legal Block	16
Legal Lot Number	10-11
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1007
Census Tract	100300

Owner

Source: Wright County records · APN 104-010-016100

Assessment roll updated July 20, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	240 BLUFF ST, CLEARWATER, MN 55320-2015
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 12, 2021	Deed of Trust, Mortgage · VA Mortgage USAA FSB
Dec 17, 2018	Warranty Deed, Transfer · VA Mortgage USAA FSB
Dec 15, 2017	Grant Deed, Transfer BAY NATIONAL TITLE, BAY NAT'L TITLE
Apr 11, 2017	Trustee's Deed, Foreclosure ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Dec 17, 2018 · Amount on Record
Deed Sale	Dec 17, 2018 · Amount on Record
Prior Sale	Dec 15, 2017 · Amount on Record
Deed Document Number	20181386473
Record Updated	Sep 20, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	240 BLUFF ST, CLEARWATER, MN 55320-2015
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	BESTON NATIONAL TITLE AGENCY LLC, BOSTON NATIONAL TTL AGCY LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001476454
Date	Jul 12, 2021
Instrument	1476454

Lender

Name	USAA FSB
Type	Bank
Address	SAN ANTONIO, TX 78288

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	358 Months
Due	May 01, 2051

December 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 17, 2018
Property Address	240 BLUFF ST, CLEARWATER, MN 55320-2015
Document Number	0001386473
Instrument Date	Oct 15, 2018
Instrument	1386473
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$750.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	240 BLUFF ST, CLEARWATER, MN 55320-2015

Mortgage

Document Number	0001386474
Date	Dec 17, 2018
Instrument	1386474

Lender

Name	USAA FSB
Type	Bank

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 01, 2048

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 15, 2017
Property Address	240 BLUFF ST, CLEARWATER, MN 55320-2015
Document Number	0001360273
Instrument Date	Dec 05, 2017
Instrument	1360273
Transaction Type	Transfer
Record Updated	Jan 09, 2018
Title Company	BAY NATIONAL TITLE, BAY NAT'L TITLE

Transaction

Amount	Amount Recorded
Tax	$396.00
Amount Accuracy	Confirmed
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9182 NARCISSUS RD ST JOSEPH MN 563748609, ST JOSEPH, MN 56374-8609

April 2017: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 11, 2017
Property Address	240 BLUFF ST, CLEARWATER, MN 55320-2015
Document Number	0001340834
Instrument Date	Apr 10, 2017
Instrument	1340834
Transaction Type	Foreclosure
Record Updated	Jul 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Tax	$504.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Association
Address	3415 VISION DR COLUMBUS OH 432196009, COLUMBUS, OH 43219-6009
Investor	Possibly a Property Investor

Tax Assessment & Valuation

Source: Wright County records · Assessment roll updated July 20, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Clearwater City
County	Wright County
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$496.00 (-75.69%)	$340,600 (+6.57%) Land $35,400 Building $305,200	$340,600 (+6.57%) Land $35,400 Building $305,200
2025		$319,600 (+3.67%) Land $31,500 Building $288,100	$319,600 (+3.67%) Land $31,500 Building $288,100
2023	$2,040.00 (-43.8%)	$308,300 Land $31,500 Building $276,800	$308,300 Land $31,500 Building $276,800
2022	$3,630.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wright County (27171C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271711003001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 9,091 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 187 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	1,250 / 60
Verizon	Fixed Wireless	300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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