245 Freeman Rd, Cloquet, MN 55720 Property Records

Carlton County property record for 245 Freeman Rd, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	4.88 acres (212,573 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Apr 2020)
Tax Bill	$5,228 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2019 Refinance + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-510-1842`

Property Details

APN / Parcel Number

Primary APN	`06-510-1842`
Alternative APN	`5177`

Exterior

Lot Area	212,573 sqft (4.88 acres)

Location & Zoning

Account Number	5177
Street Address	245 FREEMAN RD
City	CLOQUET
State	MN
Zip	55720-9417
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	PT OF SW1/4 OF NE1/4 OF SE1/4 COM AT SW COR CITY OF CLOQUET
Legal Range	17
Legal Township	49
Legal Section	10
Legal Subdivision	CITY OF CLOQUET
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	1
Census Block	1049
Census Tract	70100

Owner

245 Freeman Rd is owned and occupied by an individual who bought it in April 2020.

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

Owner of Record	Individual Name on File
Mailing Address	245 FREEMAN RD, CLOQUET, MN 55720-9417
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
Aug 31, 2026	Deed of Trust, Mortgage · Line of Credit MEMBERS COOPERATIVE CREDIT UNION
Dec 23, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS COOPERATIVE CREDIT UNION
Apr 22, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage MEMBERS COOPERATIVE CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 22, 2020 · Amount on File
Deed Sale	Apr 22, 2020 · Amount on File
Deed Document Number	2020491320
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Recording Date	Aug 31, 2026
Property Address	245 FREEMAN RD, CLOQUET, MN 55720-9417
Document Number	0000528523
Instrument Date	Aug 25, 2026
Instrument	2026528523
Transaction Type	Mortgage
Record Updated	Sep 11, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 FREEMAN RD, CLOQUET, MN 55720-9417

Mortgage

Document Number	0000528523,
Date	Aug 31, 2026
Instrument	2026528523

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Sep 15, 2046

Interest

Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	245 FREEMAN RD, CLOQUET, MN 55720-9417
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000489853
Date	Dec 23, 2019
Instrument	A000489853

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	229 Months
Due	Jan 1, 2039

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Apr 22, 2020
Property Address	245 FREEMAN RD, CLOQUET, MN 55720-9417
Document Number	A000491320
Instrument Date	Apr 15, 2020
Instrument	A000491320
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	NORTHSHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	245 FREEMAN RD, CLOQUET, MN 55720-9417

Mortgage

Document Number	A000491321
Date	Apr 22, 2020
Instrument	A000491321

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2050

Tax Assessment & Valuation

The 2026 property tax bill for 245 Freeman Rd was $5,228 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
Municipality	Cloquet City
Unified School District	Cloquet Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,228.00 Homeowner's exemption
2025		$361,700 (+4.27%) Land $88,900 Building $272,800	$361,700 (+4.27%) Land $88,900 Building $272,800
2024	$4,902.00 Homeowner's exemption	$346,900 (+2.85%) Land $88,900 Building $258,000	$346,900 (+2.85%) Land $88,900 Building $258,000
2023	$4,902.00 Homeowner's exemption	$337,300 (-) Land $88,900 Building $248,400	$337,300 (-) Land $88,900 Building $248,400
2022		$337,300 Land $88,900 Building $248,400	$337,300 Land $88,900 Building $248,400

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

Flood

FEMA maps place 245 Freeman Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 245 Freeman 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)
CTC Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: T-Mobile.

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