321 7th St, Cloquet, MN 55720 Property Records

Carlton County property record for 321 7th St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.131 acres (5,734 sqft)
Owner	Individual Name on File
Last Sale	$213,000 (Jan 2025)
Tax Bill	$2,288 (2026)
Deeds & Mortgages	Jan 2025 Mortgage Jul 2022 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-145-1200`

Property Details

APN / Parcel Number

Primary APN	`06-145-1200`
Alternative APN	`2378`

Exterior

Lot Area	5,734 sqft (0.131 acres)

Location & Zoning

Account Number	2378
Street Address	321 7TH ST
City	CLOQUET
State	MN
Zip	55720-2018
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	N 50 FT DOCKET CITY OF CLOQUET HIGHLAND PARK
Legal Subdivision	HIGHLAND PARK
Legal Block	3
Legal Lot Number	21
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	5
Census Block	5027
Census Tract	70100

Owner

321 7th St is owned and occupied by an individual who bought it in January 2025.

Source: Carlton County records, as of April 24, 2026

Owner of Record	Individual Name on File
Mailing Address	321 7TH ST, CLOQUET, MN 55720-2018
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

Date	Document
Jan 27, 2025	Warranty Deed, Transfer · Conventional Mortgage MEGASTAR FINANCIAL CORP
Jul 8, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage MEMBERS COOPERATIVE CREDIT UNION
Oct 29, 2019	Warranty Deed, Transfer · Stand-Alone First Mortgage WELLS FARGO BANK NA
Oct 2, 2018	Warranty Deed, Transfer BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 27, 2025 · Amount on File
Deed Sale	Jan 27, 2025 · Amount on File
Prior Sale	Jul 7, 2022 · Amount on File
Deed Document Number	2025520008
Prior Transfer Date	Sep 28, 2018
Prior Transfer Doc	0000482613
Record Updated	Sep 20, 2026

January 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jan 27, 2025
Property Address	321 7TH ST, CLOQUET, MN 55720-2018
Document Number	A000520008
Instrument Date	Jan 22, 2025
Instrument	A000520008
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	THE TITLE TEAM

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	321 7TH ST, CLOQUET, MN 55720-2018

Mortgage

Document Number	A000520009
Date	Jan 27, 2025
Instrument	A000520009

Lender

Name	MEGASTAR FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Feb 1, 2055

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 8, 2022
Property Address	321 7TH ST, CLOQUET, MN 55720-2018
Document Number	A000507151
Instrument Date	Jul 7, 2022
Instrument	A000507151
Transaction Type	Transfer
Record Updated	Aug 3, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	321 7TH ST, CLOQUET, MN 55720-2018
Investor	Possibly a Property Investor

Mortgage

Document Number	A000507152
Date	Jul 8, 2022
Instrument	A000507152

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Interest

Rate Type	Adjustable Rate
Rate	5.5%
Type Change Date	Jul 1, 2032
Max Rate At Change	1.7%
Index	1-Year CMT

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 29, 2019
Property Address	321 7TH ST, CLOQUET, MN 55720-2018
Document Number	A000488770
Instrument Date	Oct 28, 2019
Instrument	A000488770
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	NORTHSHORE TITLE

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	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 7TH ST, CLOQUET, MN 55720-2018

Mortgage

Document Number	A000488771
Date	Oct 29, 2019
Instrument	A000488771

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2049

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 2, 2018
Property Address	321 7TH ST, CLOQUET, MN 55720-2018
Document Number	A000482613
Instrument Date	Sep 28, 2018
Instrument	A000482613
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	321 7TH ST, CLOQUET, MN 55720-2018

Mortgage

Document Number	A000482614
Date	Oct 2, 2018
Instrument	A000482614

Lender

Name	BELL BANK
Type	Bank

Agreement

Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 321 7th St was $2,288 with a homeowner's exemption.

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	$2,288.00 Homeowner's exemption
2025		$161,800 (+19.15%) Land $16,000 Building $145,800	$161,800 (+19.15%) Land $16,000 Building $145,800
2024	$1,834.00 Homeowner's exemption	$135,800 (+4.14%) Land $16,000 Building $119,800	$135,800 (+4.14%) Land $16,000 Building $119,800
2023	$1,834.00 Homeowner's exemption	$130,400 (-) Land $16,000 Building $114,400	$130,400 (-) Land $16,000 Building $114,400
2022		$130,400 Land $16,000 Building $114,400	$130,400 Land $16,000 Building $114,400

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

Flood

FEMA maps place 321 7th 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 321 7th 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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