Wright County property record for 305 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 2,158 sqft · built 1925 |
| Lot Size | 0.204 acres (8,925 sqft) |
| Owner | Individual Name on File |
| Last Sale | $42,000 (Mar 1999) |
| Tax Bill | $2,384 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-015010 |
| Primary APN | 104-010-015010 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 2,158 sqft Living Area |
| 1st Floor Area | 2,158 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,925 sqft (0.204 acres) |
| Garage Type | Attached |
| Garage Area | 592 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 305 MAIN ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2008 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-001 BLOCK-015 LT1BLK15&TH PRT OF LT 2 TH LIES NLY OF LN DRWN PAR TO & |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 15,15 |
| Legal Lot Number | 1-2 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 100300 |
305 Main St is owned and occupied by an individual who bought it in March 1999.
Source: Wright County records, as of July 20, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 305 MAIN ST, CLEARWATER, MN 55320-2008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 3, 2026 | Deed of Trust, Mortgage · Conventional Mortgage STATE CREDIT UNION |
| Jul 18, 2020 | Deed of Trust, Mortgage · FHA Mortgage HUD-HOUSING/URBAN DEV |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 2, 1999 · Amount on File |
| Deed Sale | Mar 2, 1999 · Amount on File |
| Prior Sale | Jul 27, 1998 · Amount on File |
| Deed Document Number | 199963463 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Aug 3, 2026 |
| Property Address | 305 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 0001608942 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 20261608942 |
| Transaction Type | Mortgage |
| Record Updated | Aug 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 305 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 0001608942, |
|---|---|
| Date | Aug 3, 2026 |
| Instrument | 20261608942 |
| Name | STATE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Jul 20, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.47% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 305 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 0001438169 |
| Instrument Date | Jul 18, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Oct 5, 2020 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 315 MAIN ST CLEARWATER MN 553202008, CLEARWATER, MN 55320-2008 |
| Document Number | 0001438169 |
|---|---|
| Date | Aug 27, 2020 |
| Instrument | 1438169 |
| Name | HUD-HOUSING/URBAN DEV |
|---|---|
| Address | 451 7TH ST SW, WASHINGTON, DC 20410-0001 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 26, 2045 |
The 2026 property tax bill for 305 Main St was $2,384.
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 | $2,384.00 | $234,200 (+6.55%) Land $26,800 Building $207,400 | $234,200 (+6.55%) Land $26,800 Building $207,400 |
| 2025 | $219,800 Land $20,000 Building $199,800 | $219,800 Land $20,000 Building $199,800 | |
| 2023 | $2,312.00 (+8.34%) | $240,300 Land $20,000 Building $220,300 | $240,300 Land $20,000 Building $220,300 |
| 2022 | $2,134.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 305 Main 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 risk around 305 Main St is low, with less than 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 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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