Wright County property record for 305 Bluff St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,003 sqft · built 1900 |
| Lot Size | 0.385 acres (16,806 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $268,000 (Dec 2024) |
| Tax Bill | $3,300 (2026) |
| Deeds & Mortgages | Aug 2022 Sale & Mortgage Jul 2022 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-030010 |
| Primary APN | 104-010-030010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 2,003 sqft Living Area |
| 1st Floor Area | 1,096 sqft |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Brick |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 16,806 sqft (0.385 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 72 sqft |
| Deck Area | Deck Area |
| Shed | 1 Shed |
| Shed Area | 288 sqft |
| Storage Building | 288 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 BLUFF ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2016 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-001 BLOCK-030 LTS1&2BLK30ALSO VAC ALLEY LOCK-030 LTS1&2BLK30ALSO VAC A |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 30,30 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1006 |
| Census Tract | 100300 |
Source: Wright County records, as of July 20, 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 Record |
|---|---|
| Mailing Address | 305 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 31, 2022 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Jul 14, 2022 | Deed of Trust, Mortgage · Line of Credit BREMER BANK NA |
| Sep 18, 2019 | Deed of Trust, Mortgage · Commercial Mortgage BREMER BANK NA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Dec 19, 2024 · Amount on Record |
| Deed Sale | Dec 19, 2024 · Amount on Record |
| Prior Sale | Aug 22, 2022 · Amount on Record |
| Deed Document Number | 20241567155 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Aug 31, 2022 |
| Property Address | 305 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 00A1515866 |
| Instrument Date | Aug 22, 2022 |
| Instrument | A1515866 |
| Transaction Type | Transfer |
| Record Updated | Sep 28, 2022 |
| Title Company | MINNESOTA TITLE AGENCY, MINNESOTA TITLE CORPORATE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $963.60 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 305 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 00A1515867 |
|---|---|
| Date | Aug 31, 2022 |
| Instrument | A1515867 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 305 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Transaction Type | Mortgage |
| Record Updated | Aug 4, 2022 |
| Name | Verified Name |
|---|---|
| Address | 305 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 00A1511960 |
|---|---|
| Date | Jul 14, 2022 |
| Instrument | A1511960 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55102 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Jun 24, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 305 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001405824 |
|---|---|
| Date | Sep 18, 2019 |
| Instrument | 1405824 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55102 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Sep 14, 2029 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,300.00 (+45.76%) | $303,000 (+5.94%) Land $41,200 Building $261,800 | $303,000 (+5.94%) Land $41,200 Building $261,800 |
| 2025 | $286,000 (+10.55%) Land $31,000 Building $255,000 | $286,000 (+10.55%) Land $31,000 Building $255,000 | |
| 2023 | $2,264.00 (+8.53%) | $258,700 Land $31,000 Building $227,700 | $258,700 Land $31,000 Building $227,700 |
| 2022 | $2,086.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|---|---|
| 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.
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.
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 |
| 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.
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 |
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