320 Bluff St, Clearwater, MN 55320 Property Records

Wright County property record for 320 Bluff St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,170 sqft · built 1925
Lot Size	0.357 acres (15,585 sqft)
Owner	Individual Name on Record
Last Sale	$271,000 (Jul 2026)
Tax Bill	$2,672 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-010-017080`

Property Details

APN / Parcel Number

Primary APN	`104-010-017080`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,170 sqft Living Area
1st Floor Area	780 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1925
Effective Year Built	Effective 1986
Exterior Material	Stucco
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	15,585 sqft (0.357 acres)
Garage Area	570 sqft
Parking Spaces	2 Parking Spaces
Deck Area	230 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	320 BLUFF ST
City	CLEARWATER
State	MN
Zip	55320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-008 BLOCK-017 LT8 BLK17&TH PRT OF LT7 LY NW OF LN DRWN SW FR MIDPT OF
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ORIGINAL PLAT CLEARWATER
Legal Block	17,17
Legal Lot Number	8,7
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1008
Census Tract	100300

Owner

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	Individual Name on Record
Mailing Address	320 BLUFF ST, CLEARWATER, MN 55320
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2026 · Amount on Record
Deed Sale	Jul 1, 2026 · Amount on Record
Deed Document Number	20261606439
Record Updated	Sep 20, 2026

July 2026: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 1, 2026
Property Address	320 BLUFF ST, CLEARWATER, MN 55320
Document Number	0001606439
Instrument Date	Jun 25, 2026
Instrument	20261606439
Transaction Type	Transfer
Record Updated	Jul 20, 2026
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$90,324.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	320 BLUFF ST, CLEARWATER, MN 55320

Mortgage

Document Number	0001606440,
Date	Jul 1, 2026
Instrument	20261606440

Lender

Name	PARAMOUNT MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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	$2,672.00 (-0.15%)	$237,700 (+6.93%) Land $41,400 Building $196,300	$237,700 (+6.93%) Land $41,400 Building $196,300
2025		$222,300 (+1.74%) Land $33,000 Building $189,300	$222,300 (+1.74%) Land $33,000 Building $189,300
2023	$2,676.00 (+11.5%)	$218,500 Land $33,000 Building $185,500	$218,500 Land $33,000 Building $185,500
2022	$2,400.00

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

Flood

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.

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