Wright County property record for 345 Bluff St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,608 sqft · built 1868 |
| Lot Size | 0.192 acres (8,403 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $180,000 (May 2023) |
| Tax Bill | $2,132 (2026) |
| Deeds & Mortgages | May 2023 Sale & Mortgage Aug 2019 Sale & Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-030050 |
| Primary APN | 104-010-030050 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 2 Stories |
| Building Area | 1,608 sqft Living Area |
| 1st Floor Area | 950 sqft |
| Flooring | Carpet |
| Year Built | Built 1868 |
|---|---|
| Effective Year Built | Effective 1990 |
| Exterior Material | Wood |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,403 sqft (0.192 acres) |
| Porch | Porch |
|---|---|
| Porch Area | 90 sqft |
| Patio Area | 90 sqft |
| Storage Building | 64 sqft |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 345 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 5 BLOCK 30 ALSO E1/2 VAC ALLEY CK 30 ALSO E1/2 VAC ALLEY |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 30 |
| Legal Lot Number | 5 |
| 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 | Individual Name on Record |
|---|---|
| Mailing Address | 345 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 17, 2023 | Warranty Deed, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP |
| Aug 8, 2019 | Warranty Deed, Transfer · Stand-Alone Second Mortgage MIDCOUNTRY BANK |
| Jun 8, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 15, 2023 · Amount on Record |
| Deed Sale | May 15, 2023 · Amount on Record |
| Prior Sale | Aug 8, 2019 · Amount on Record |
| Deed Document Number | 20231533399 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 17, 2023 |
| Property Address | 345 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 00A1530804 |
| Instrument Date | May 3, 2023 |
| Instrument | A1530804 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2023 |
| Title Company | KEY TITLE & CLOSING SVCS LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $594.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 00A1530805 |
|---|---|
| Date | May 17, 2023 |
| Instrument | A1530805 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Number | 00A1530806 |
|---|---|
| Date | May 17, 2023 |
| Instrument | A1530806 |
| Name | LEADER ONE FINANCIAL CORP |
|---|---|
| Type | Mortgage Company |
| Address | OVERLAND PARK, KS 66210 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 1, 2053 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Aug 8, 2019 |
| Property Address | 345 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 0001402332 |
| Instrument Date | Jul 26, 2019 |
| Instrument | 1402332 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $363.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 BLUFF ST, CLEARWATER, MN 55320 |
| Document Number | 0001402334 |
|---|---|
| Date | Aug 8, 2019 |
| Instrument | 1402334 |
| Name | MIDCOUNTRY BANK |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55110 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Aug 1, 2029 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jun 8, 2017 |
| Property Address | 345 BLUFF ST, CLEARWATER, MN 55320-2016 |
| Document Number | 0001345149 |
| Instrument Date | May 22, 2017 |
| Instrument | 1345149 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Amount | Amount Recorded |
|---|---|
| Tax | $379.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 BLUFF ST, CLEARWATER, MN 55320 |
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 | $2,132.00 (+25.12%) | $175,500 (+1.68%) Land $26,200 Building $149,300 | $175,500 (+1.68%) Land $26,200 Building $149,300 |
| 2025 | $172,600 (+10.01%) Land $26,000 Building $146,600 | $172,600 (+10.01%) Land $26,000 Building $146,600 | |
| 2023 | $1,704.00 (+23.66%) | $156,900 (+4.6%) Land $26,000 Building $130,900 | $156,900 (+4.6%) Land $26,000 Building $130,900 |
| 2022 | $1,378.00 Homeowner's exemption | $150,000 Land $21,000 Building $129,000 | $150,000 Land $21,000 Building $129,000 |
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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