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245 Spring St, Clearwater, MN 55320 Property Records

Wright County property record for 245 Spring St, Clearwater, MN 55320 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Bedrooms3 Beds
Bathrooms5 Baths
Year BuiltBuilt 1980
Square Footage1,547 sqft Living Area
Lot Size12,622 sqft (0.289 acres)
OccupancyOwner Occupied
Last Sale$214,900 (2022)
Tax Bill$2,476.00 (2026)

Owner

Source: Wright County records · APN 104-010-016040

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 Record2 Individual Names on File
Mailing Address245 SPRING ST, CLEARWATER, MN 55320-2010
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Apr 08, 2022Warranty Deed, Transfer · Conventional Mortgage
DATA MORTGAGE INC
Nov 10, 2020Intrafamily Transfer, Transfer · Conventional Mortgage
HOMEOWNERS FINANCIAL GROUP USA LLC
Sep 30, 2019Warranty Deed, Transfer · Conventional Mortgage
BROKER SOLUTIONS INC
Aug 25, 2018Deed of Trust, Mortgage · Federal Housing Administration (FHA) Mortgage
QUICKEN LNS

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleFeb 18, 2022 · Amount on Record
Deed SaleFeb 18, 2022 · Amount on Record
Prior SaleSep 30, 2019 · Amount on Record
Deed Doc Number20221380916
Prior Transfer DateNov 02, 2020
Prior Transfer Doc0001447603
Record RefreshedSep 20, 2026

April 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateApr 08, 2022
Property Address245 SPRING ST, CLEARWATER, MN 55320-2010
Document Number00A1503532
Instrument DateFeb 18, 2022
InstrumentA1503532
Transaction TypeTransfer
Record UpdatedMay 10, 2022
Title CompanyTITLE SPECIALIST, TITLE SPECIALISTS INC

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$709.17
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address245 SPRING ST, CLEARWATER, MN 55320-2010

Mortgage

Document Number00A1503533
DateApr 08, 2022
InstrumentA1503533
Lender
NameDATA MORTGAGE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term359 Months
DueMar 01, 2052

November 2020: Intrafamily Transfer, Transfer

Document TypeIntrafamily Transfer
JurisdictionWRIGHT MN
Recording DateNov 10, 2020
Property Address245 SPRING ST, CLEARWATER, MN 55320-2010
Document Number0001447603
Instrument DateNov 02, 2020
Instrument1447603
Transaction TypeTransfer
Record UpdatedAug 13, 2021
Title CompanyNORTHLAND TITLE

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Interfamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address245 SPRING ST, CLEARWATER, MN 55320-2010

Mortgage

Document Number0001447604
DateNov 10, 2020
Instrument1447604
Lender
NameHOMEOWNERS FINANCIAL GROUP USA LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueDec 01, 2050

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateSep 30, 2019
Property Address245 SPRING ST, CLEARWATER, MN 55320-2010
Document Number0001406858
Instrument DateSep 20, 2019
Instrument1406858
Transaction TypeTransfer
Record UpdatedAug 13, 2021
Title CompanyLENDSERV NATL TTL & INFORMAT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$574.20
Amount AccuracyRounded Values by County
Additional
  • Notice of Trustee Sale
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address245 SPRING ST, CLEARWATER, MN 55320-2010

Mortgage

Document Number0001406859
DateSep 30, 2019
Instrument1406859
Lender
NameBROKER SOLUTIONS INC
TypeFunding / Finance Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueOct 01, 2049

August 2018: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWRIGHT MN
Property Address245 SPRING ST, CLEARWATER, MN 55320-2010
Document Number0001378706
Instrument DateAug 25, 2018
Transaction TypeMortgage
Record UpdatedSep 19, 2018
Title CompanyAMROCK INC

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband And Wife
Address245 SPRING ST CLEARWATER MN 553202010, CLEARWATER, MN 55320-2010

Mortgage

Document Number0001378706
DateAug 31, 2018
Instrument1378706
Lender
NameQUICKEN LNS
TypeFunding / Finance Company
AddressDETROIT, MI 48226-1906
Agreement
TypeFederal Housing Administration (FHA) Mortgage
AmountAmount Recorded
Term360 Months
DueAug 30, 2048

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
MunicipalityClearwater City
CountyWright County
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$2,476.00 (-3.96%)$236,400 (+5.02%) Land $35,900 Building $200,500$236,400 (+5.02%) Land $35,900 Building $200,500
2025$225,100 (-0.53%) Land $32,000 Building $193,100$225,100 (-0.53%) Land $32,000 Building $193,100
2023$2,578.00 (+5.4%)$226,300 Land $32,000 Building $194,300$226,300 Land $32,000 Building $194,300
2022$2,446.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wright County (27171C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026

Flood

FEMA Flood ZoneZone X
Flood HazardMinimal
500-Year FloodplainNo
Special Flood Hazard AreaNo
Nearest Special Flood Hazard AreaZone AE, within 500 ft

Wildfire

Wildfire RiskLow
above 20% of the US · above 39% of Minnesota
Wildfire LikelihoodAbout 1 in 9,091 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

Property Details

APN / Parcel Number

Primary APN104-010-016040

Interior

Bedrooms3 Beds
Full Baths5 Baths
Partial Baths1 Partial Baths
Building Area1,547 sqft Living Area
1st Floor1,092 sqft 1st Floor
Stories1 Stories
Primary FlooringCarpet Flooring
Interior StructureWallboard/Drywall Interior Structure

Exterior

Year BuiltBuilt 1920
Effective Year BuiltEffective 1980
Exterior MaterialStucco Exterior
Construction TypeFrame Construction
Roof ConstructionGable Roof Construction
Roof MaterialAsphalt Roof
Lot Area12,622 sqft (0.289 acres)
Parking Spaces2 Parking Spaces
Garage Area480 sqft Garage

Exterior Amenities

Deck Area640 sqft Deck
Porch1 Porch
Porch Area48 sqft Porch
Storage Building80 sqft Storage Building

Utilities and HVAC

Cooling SystemWindow A/C Cooling
Heating SystemForced Air with Air Conditioning Heating
Heating FuelGas Heating Fuel

Location & Zoning

Street Address245 SPRING ST
CityCLEARWATER
StateMN
Zip55320-2010
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-004 BLOCK-016 LTS5 BLK16 & S1/2OF LT4 ALSO VAC ALLEY LOCK-016 LTS5 BLK
Legal Range027
Legal Township123
Legal Section35
Legal SubdivisionORIGINAL PLAT CLEARWATER
Legal Block16,16
Legal Lot Number4
JurisdictionWRIGHT MN
Minor Civil DivisionCLEARWATER
Census Blockgroup1
Census Block1007
Census Tract100300

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