Wright County property record for 345 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,056 sqft · built 1870 |
| Lot Size | 0.102 acres (4,460 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $205,000 (Nov 2025) |
| Tax Bill | $1,958 (2026) |
| Deeds & Mortgages | Nov 2025 Sale & Mortgage Jun 2020 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-015040 |
| Primary APN | 104-010-015040 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,056 sqft Living Area |
| 1st Floor Area | 809 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Vinyl |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 4,460 sqft (0.102 acres) |
| Garage Area | 336 sqft |
| Parking Spaces | 1 Parking Space |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 345 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-005 BLOCK-015 EX NLY15FT THOF LOCK-015 EX NLY15FT THOF |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 15 |
| Legal Lot Number | 5 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 100300 |
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 345 MAIN ST, CLEARWATER, MN 55320-2008 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 26, 2025 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jun 12, 2020 | Quit Claim Deed, Transfer NOT AVAILABLE |
| Jun 21, 2018 | Warranty Deed, Transfer · Stand-Alone First Mortgage LAND-HOME FINANCIAL SERVICES |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 26, 2025 · Amount on File |
| Deed Sale | Nov 26, 2025 · Amount on File |
| Prior Sale | Jun 21, 2018 · Amount on File |
| Deed Document Number | 20251590645 |
| Prior Transfer Date | Apr 27, 2020 |
| Prior Transfer Doc | 0001429462 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 26, 2025 |
| Property Address | 345 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 00A1590645 |
| Instrument Date | Nov 26, 2025 |
| Instrument | A1590645 |
| Transaction Type | Transfer |
| Record Updated | Jan 13, 2026 |
| Title Company | PREFERRED TITLE/MO INC, PREFERRED TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $676.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 345 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 00A1590646 |
|---|---|
| Date | Nov 26, 2025 |
| Instrument | A1590646 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2055 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jun 12, 2020 |
| Property Address | 345 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 0001429462 |
| Instrument Date | Apr 27, 2020 |
| Instrument | 1429462 |
| Transaction Type | Transfer |
| Record Updated | Aug 10, 2020 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 345 MAIN ST CLEARWATER MN 553202008, CLEARWATER, MN 55320-2008 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jun 21, 2018 |
| Property Address | 345 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 0001372994 |
| Instrument Date | May 21, 2018 |
| Instrument | 1372994 |
| Transaction Type | Transfer |
| Record Updated | Feb 7, 2021 |
| Title Company | PREFERRED TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 MAIN ST, CLEARWATER, MN 55320-2008 |
| Document Number | 0001372996 |
|---|---|
| Date | Jun 21, 2018 |
| Instrument | 1372996 |
| Name | LAND-HOME FINANCIAL SERVICES |
|---|---|
| Type | Mortgage Company |
| Address | CONCORD, CA 94520 |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2048 |
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 | $1,958.00 (-28.7%) | $196,600 (+4.74%) Land $21,000 Building $175,600 | $196,600 (+4.74%) Land $21,000 Building $175,600 |
| 2025 | $2,746.00 (+30.89%) | $187,700 (-3.84%) Land $21,000 Building $166,700 | $187,700 (-3.84%) Land $21,000 Building $166,700 |
| 2023 | $2,098.00 (+3.15%) | $195,200 Land $21,000 Building $174,200 | $195,200 Land $21,000 Building $174,200 |
| 2022 | $2,034.00 |
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 |
|---|---|
| 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.
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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