Wright County property record for 345 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 990 sqft · built 1917 |
| Lot Size | 0.147 acres (6,429 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $130,000 (May 2021) |
| Tax Bill | $1,940 (2026) |
| Deeds & Mortgages | Dec 2023 Line of Credit May 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-017050 |
| Primary APN | 104-010-017050 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 990 sqft Living Area |
| 1st Floor Area | 908 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1917 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Wood |
| Foundation Type | Stone |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,429 sqft (0.147 acres) |
| Garage Area | 416 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 64 sqft |
| Patio Area | 360 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 345 SPRING ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2011 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-005 BLOCK-017 ALSO TH PRT OF VAC ALLEY ADJ TO LT 5 LOCK-017 ALSO TH PR |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 17 |
| Legal Lot Number | 5 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1008 |
| 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 SPRING ST, CLEARWATER, MN 55320-2011 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Dec 14, 2023 | Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU |
| May 12, 2021 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 12, 2021 · Amount on Record |
| Deed Sale | May 12, 2021 · Amount on Record |
| Prior Sale | Dec 4, 2013 · Amount on Record |
| Deed Document Number | 20211470019 |
| Prior Transfer Date | Oct 13, 2020 |
| Prior Transfer Doc | 0001443924 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 345 SPRING ST, CLEARWATER, MN 55320-2011 |
| Transaction Type | Mortgage |
| Record Updated | Jan 25, 2024 |
| Name | Verified Name |
|---|
| Document Number | 00A1544337 |
|---|---|
| Date | Dec 14, 2023 |
| Instrument | A1544337 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Oct 20, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 12, 2021 |
| Property Address | 345 SPRING ST, CLEARWATER, MN 55320-2011 |
| Document Number | 0001470019 |
| Instrument Date | Apr 30, 2021 |
| Instrument | 1470019 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2021 |
| Title Company | QUDARY TITLE, QUARRY TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $429.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 345 SPRING ST, CLEARWATER, MN 55320-2011 |
| Document Number | 0001470020 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 1470020 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2051 |
| Document Number | 0001470021 |
|---|---|
| Date | May 12, 2021 |
| Instrument | 1470021 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Address | SCOTTSDALE, AZ 85254 |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | May 1, 2031 |
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 | $1,940.00 (-11.5%) | $180,300 (+3.92%) Land $21,000 Building $159,300 | $180,300 (+3.92%) Land $21,000 Building $159,300 |
| 2025 | $173,500 (+4.71%) Land $21,000 Building $152,500 | $173,500 (+4.71%) Land $21,000 Building $152,500 | |
| 2023 | $2,192.00 (+34.64%) | $165,700 Land $21,000 Building $144,700 | $165,700 Land $21,000 Building $144,700 |
| 2022 | $1,628.00 |
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 |
|---|---|
| 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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