3545 Freeman Rd, Cloquet, MN 55720 Property Records

St. Louis County property record for 3545 Freeman Rd, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1978
Lot Size	6.31 acres (274,864 sqft)
Owner	Individual Name on File
Last Sale	$195,000 (Aug 2007)
Tax Bill	$3,112 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Dec 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`275-0025-00417`

Property Details

APN / Parcel Number

Primary APN	`275-0025-00417`
Alternative APN	`853000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	1,152 sqft Gross Area
1st Floor Area	1,152 sqft
Basement Area	576 sqft
Finished Basement	576 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Lot Area	274,864 sqft (6.31 acres)
Garage Area	2,520 sqft

Exterior Amenities

Porch	Porch
Porch Area	168 sqft
Deck Area	96 sqft
Storage Building	192 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	853000
Street Address	3545 FREEMAN RD
City	CLOQUET
State	MN
Zip	55720-9215
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	N 208 FT OF SE1/4 OF SE1/4 SERIAL #
Legal Range	17W
Legal Township	50N
Legal Section	34
Legal Subdivision	BREVATOR TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	BREVATOR
Census Block Group	3
Census Block	3052
Census Tract	11102

Owner

3545 Freeman Rd is owned and occupied by an individual who bought it in August 2007.

Source: St. Louis County records, as of October 13, 2026

Owner of Record	Individual Name on File
Mailing Address	3545 FREEMAN RD, CLOQUET, MN 55720-9215
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
Dec 14, 2021	Deed of Trust, Mortgage · Commercial Mortgage NORTHVIEW BANK
Dec 9, 2020	Deed of Trust, Mortgage · Conventional Mortgage NORTHVIEW BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 23, 2007 · Amount on File
Deed Sale	Aug 23, 2007 · Amount on File
Deed Document Number	20071060841
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3545 FREEMAN RD, CLOQUET, MN 55720-9215
Transaction Type	Mortgage
Record Updated	Feb 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001432727
Date	Dec 14, 2021
Instrument	1432727

Lender

Name	NORTHVIEW BANK
Type	Bank
Address	HINCKLEY, MN 55037

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	59 Months
Due	Nov 25, 2026

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	3545 FREEMAN RD, CLOQUET, MN 55720-9215
Document Number	00A1400158
Instrument Date	Dec 9, 2020
Transaction Type	Mortgage
Record Updated	Jan 29, 2021
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CNTY ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	3545 FREEMAN RD CLOQUET MN 557209215, CLOQUET, MN 55720-9215

Mortgage

Document Number	00A1400158
Date	Jan 4, 2021
Instrument	A1400158

Lender

Name	NORTHVIEW BK
Type	Bank
Address	FINLAYSON, MN 55735

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	240 Months
Due	Jan 3, 2041

Tax Assessment & Valuation

The 2026 property tax bill for 3545 Freeman Rd was $3,112 with a homeowner's exemption, up 6.5% from the year before.

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Brevator Township
Unified School District	Cloquet Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,112.00 (+6.5%) Homeowner's exemption
2025	$2,922.00 (+7.51%) Homeowner's exemption	$249,400 (+6.49%) Land $43,000 Building $206,400	$249,400 (+6.49%) Land $43,000 Building $206,400
2024	$2,718.00	$234,200 Land $43,000 Building $191,200	$234,200 Land $43,000 Building $191,200
2022		$191,800 Land $30,000 Building $161,800	$191,800 Land $30,000 Building $161,800

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

Flood

FEMA maps place 3545 Freeman Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 24, 2025

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3545 Freeman Rd 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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000

May also be available: CTC.

Cell Coverage

5G (outdoors only) and 4G LTE

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