38 3rd St, Cloquet, MN 55720 Property Records

Carlton County property record for 38 3rd St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.113 acres (4,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$130,000 (Nov 2017)
Tax Bill	$3,448 (2026)
Deeds & Mortgages	Nov 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-045-0940`

Property Details

APN / Parcel Number

Primary APN	`06-045-0940`
Alternative APN	`1014`

Exterior

Lot Area	4,928 sqft (0.113 acres)

Location & Zoning

Account Number	1014
Street Address	38 3RD ST
City	CLOQUET
State	MN
Zip	55720-1712
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	DOCKET 309289 CITY OF CLOQUET ORIGINAL PLAT
Legal Subdivision	ORIGINAL PLAT
Legal Block	C
Legal Lot Number	9
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	5
Census Block	5014
Census Tract	70100

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	38 3RD ST, CLOQUET, MN 55720-1712
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2017 · Amount on Record
Deed Sale	Nov 6, 2017 · Amount on Record
Deed Document Number	2017477401
Record Updated	Jun 8, 2026

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Nov 6, 2017
Property Address	38 3RD ST, CLOQUET, MN 55720-1712
Document Number	A000477401
Instrument Date	Nov 3, 2017
Instrument	A000477401
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	CARLTON COUNTY TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	38 3RD ST, CLOQUET, MN 55720-1712

Mortgage

Document Number	A000477402
Date	Nov 6, 2017
Instrument	A000477402

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2047

Interest

Rate Type	Adjustable Rate
Adjustable	Adjustable Rate Rider

Tax Assessment & Valuation

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	$3,448.00 (+7.68%) Homeowner's exemption
2025		$224,900 (+4.75%) Land $11,400 Building $213,500	$224,900 (+4.75%) Land $11,400 Building $213,500
2024	$3,202.00 Homeowner's exemption	$214,700 (+4.27%) Land $11,400 Building $203,300	$214,700 (+4.27%) Land $11,400 Building $203,300
2023	$3,202.00 Homeowner's exemption	$205,900 (-) Land $11,400 Building $194,500	$205,900 (-) Land $11,400 Building $194,500
2022		$205,900 Land $11,400 Building $194,500	$205,900 Land $11,400 Building $194,500

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

Flood

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

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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