265 Lime St, Clearwater, MN 55320 Property Records

Wright County property record for 265 Lime St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,288 sqft · built 1991
Lot Size	0.261 acres (11,368 sqft)
Owner	Individual Name on File
Last Sale	$292,400 (Nov 2024)
Tax Bill	$2,724 (2026)
Deeds & Mortgages	Jul 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-018-001030`

Property Details

APN / Parcel Number

Primary APN	`104-018-001030`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,288 sqft Living Area
1st Floor Area	1,288 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 2000
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,368 sqft (0.261 acres)
Garage Area	308 sqft
Parking Spaces	1 Parking Space
Patio Area	240 sqft
Storage Building	160 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	265 LIME ST
City	CLEARWATER
State	MN
Zip	55320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-123 RANGE-027 ALLEN ADDN LOT-003 BLOCK-001
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ALLEN ADDN
Legal Block	1
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1006
Census Tract	100300

Owner

265 Lime St is owned and occupied by an individual who bought it in November 2024.

Source: Wright County records, as of July 20, 2026

Owner of Record	Individual Name on File
Mailing Address	265 LIME ST, CLEARWATER, MN 55320
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 13, 2024 · Amount on File
Deed Sale	Nov 13, 2024 · Amount on File
Deed Document Number	20241564876
Record Updated	Sep 20, 2026

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	265 LIME ST, CLEARWATER, MN 55320
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	HEARTLAND TITLE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001432222
Date	Jul 7, 2020
Instrument	1432222

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Jul 1, 2035

Tax Assessment & Valuation

The 2026 property tax bill for 265 Lime St was $2,724.

Source: Wright County assessment roll, as of July 20, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,724.00	$259,300 (+6.44%) Land $33,600 Building $225,700	$259,300 (+6.44%) Land $33,600 Building $225,700
2025		$243,600 Land $26,500 Building $217,100	$243,600 Land $26,500 Building $217,100
2023	$2,416.00 (+5.5%)	$224,700 Land $26,500 Building $198,200	$224,700 Land $26,500 Building $198,200
2022	$2,290.00

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

Flood

FEMA maps place 265 Lime St in Zone X, an area of minimal flood risk, within 500 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 500 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

Wildfire risk around 265 Lime St 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20