309 4th St, Cloquet, MN 55720 Property Records

Carlton County property record for 309 4th St, Cloquet, MN 55720

Property Summary

Property Type	Commercial
Lot Size	0.206 acres (8,998 sqft)
Owner	Individual Name on File
Last Sale	$115,000 (Jun 2023)
Tax Bill	$5,858 (2026)
Deeds & Mortgages	Jul 2025 Mortgage Aug 2005 Line of Credit + 3 more
Flood Zone	Zone X (minimal risk)
APN	`06-420-0880`

Property Details

APN / Parcel Number

Primary APN	`06-420-0880`
Alternative APN	`4780`

Exterior

Lot Area	8,998 sqft (0.206 acres)

Location & Zoning

Account Number	4780
Street Address	309 4TH ST
City	CLOQUET
State	MN
Zip	55720-2051
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	CITY OF CLOQUET WOODLAWN ADDITION
Legal Subdivision	WOODLAWN ADDITION
Legal Block	B
Legal Lot Number	23
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	5
Census Block	5029
Census Tract	70100

Owner

309 4th St, a commercial property, is owned by an individual who bought it in June 2023.

Source: Carlton County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	174 W SAINT LOUIS RIVER RD, ESKO, MN 55733-9307
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
Jul 3, 2025	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CREDIT UNION
Aug 15, 2005	Deed of Trust, Mortgage · Line of Credit STATE BANK OF TOWER
Sep 15, 2023	Warranty Deed, Transfer MEMBERS COOPERATIVE CREDIT UNION
Aug 29, 2018	Warranty Deed, Transfer LEND SMART MORTGAGE
Jan 15, 2015	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 20, 2023 · Amount on File
Deed Sale	Jun 20, 2023 · Amount on File
Prior Sale	Aug 29, 2018
Deed Document Number	20231554321
Prior Transfer Date	Jan 8, 2015
Prior Transfer Doc	0000460683
Record Updated	Oct 29, 2026

July 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	309 4TH ST, CLOQUET, MN 55720-2051
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000522132
Date	Jul 3, 2025
Instrument	A000522132

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

August 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	309 4TH ST, CLOQUET, MN 55720-2051
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000394525
Date	Aug 15, 2005
Instrument	A000394525

Lender

Name	STATE BANK OF TOWER
Address	CLOQUET, MN 55720

Agreement

Type	Line of Credit
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Sep 15, 2023
Property Address	309 4TH ST, CLOQUET, MN 55720-2051
Document Number	A000513470
Instrument Date	Jun 20, 2023
Instrument	A000513470
Transaction Type	Transfer
Record Updated	Apr 24, 2026

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	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	174 W SAINT LOUIS RIVER RD, ESKO, MN 55733-9307

Mortgage

Document Number	A000513471
Date	Sep 15, 2023
Instrument	A000513471

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount on Record

Interest

Rate Type	Adjustable Rate

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 29, 2018
Property Address	309 4TH ST, CLOQUET, MN 55720-2051
Document Number	A000481991
Instrument Date	Aug 29, 2018
Instrument	A000481991
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	309 4TH ST, CLOQUET, MN 55720-2051

Mortgage

Document Number	A000481992
Date	Aug 29, 2018
Instrument	A000481992

Lender

Name	LEND SMART MORTGAGE

Agreement

Amount	Amount on Record

January 2015: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	CARLTON MN
Recording Date	Jan 15, 2015
Property Address	309 4TH ST, CLOQUET, MN 55720-2051
Document Number	A000460683
Instrument Date	Jan 8, 2015
Instrument	A000460683
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Tax Assessment & Valuation

The 2026 property tax bill for 309 4th St was $5,858.

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	$5,858.00
2025		$199,700 (+19.44%) Land $22,000 Building $177,700	$199,700 (+19.44%) Land $22,000 Building $177,700
2024	$2,730.00	$167,200 (+3.98%) Land $22,000 Building $145,200	$167,200 (+3.98%) Land $22,000 Building $145,200
2023	$2,730.00	$160,800 (-) Land $22,000 Building $138,800	$160,800 (-) Land $22,000 Building $138,800
2022		$160,800 Land $22,000 Building $138,800	$160,800 Land $22,000 Building $138,800

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

Flood

FEMA maps place 309 4th St in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2013.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024 · 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	1 in force
Nearby Flood Claims	1 (2013)
Claims Outside the SFHA	1 of 1
Most Recent Claim	May 2013 · 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 309 4th 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	None beyond ember reach

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	Cloquet serves 12,864 people · EPA ID MN1090005
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 555 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20
Airfiber Fixed Wireless	100 / 20

May also be available: CenturyLink, CTC.

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