395 Freeman Rd, Cloquet, MN 55720 Property Records

Carlton County property record for 395 Freeman Rd, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Details	1,440 sqft · built 1976
Lot Size	2.98 acres (129,809 sqft)
Owner	2 Individual Names on File
Last Sale	$390,000 (Aug 2024)
Tax Bill	$5,566 (2026)
Deeds & Mortgages	Oct 2025 Mortgage Aug 2024 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`06-510-0503`

Property Details

APN / Parcel Number

Primary APN	`06-510-0503`
Alternative APN	`4932`

Interior

Building Area	1,440 sqft Living Area

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	129,809 sqft (2.98 acres)

Location & Zoning

Account Number	4932
Street Address	395 FREEMAN RD
City	CLOQUET
State	MN
Zip	55720-9414
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 312 FT OF N 520 FT OF E 416 FT OF NE1/4 CITY OF CLOQUET
Legal Range	17
Legal Township	49
Legal Section	03
Legal Subdivision	CITY OF CLOQUET
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	1
Census Block	1049
Census Tract	70100

Owner

395 Freeman Rd is owned and occupied by two individuals who bought it in August 2024.

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

Owner of Record	2 Individual Names on File
Mailing Address	395 FREEMAN RD, CLOQUET, MN 55720-9414
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
Oct 29, 2025	Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK & TRUST
Aug 13, 2024	Warranty Deed, Transfer · Conventional Mortgage REGENT FINANCIAL GROUP INC
Jul 20, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage US BANK NA
Dec 11, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2024 · Amount on File
Deed Sale	Aug 6, 2024 · Amount on File
Prior Sale	Jul 20, 2020 · Amount on File
Deed Document Number	20241678582
Prior Transfer Date	Nov 19, 2019
Prior Transfer Doc	0000489586
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	395 FREEMAN RD, CLOQUET, MN 55720-9414
Transaction Type	Mortgage
Record Updated	Feb 10, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000523991
Date	Oct 29, 2025
Instrument	A000523991

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

August 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 13, 2024
Property Address	395 FREEMAN RD, CLOQUET, MN 55720-9414
Document Number	A000517748
Instrument Date	Aug 6, 2024
Instrument	A000517748
Transaction Type	Transfer
Record Updated	Apr 24, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	395 FREEMAN RD, CLOQUET, MN 55720-9414

Mortgage

Document Number	A000517749
Date	Aug 13, 2024
Instrument	A000517749

Lender

Name	REGENT FINANCIAL GROUP INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2054

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 20, 2020
Property Address	395 FREEMAN RD, CLOQUET, MN 55720-9414
Document Number	A000492827
Instrument Date	Jun 22, 2020
Instrument	A000492827
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	NORTHSHORE TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	395 FREEMAN RD, CLOQUET, MN 55720-9414

Mortgage

Document Number	A000492828
Date	Jul 20, 2020
Instrument	A000492828

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2050

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Dec 11, 2019
Property Address	395 FREEMAN RD, CLOQUET, MN 55720-9414
Document Number	A000489586
Instrument Date	Nov 19, 2019
Instrument	A000489586
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	395 FREEMAN RD, CLOQUET, MN 55720-9414

Tax Assessment & Valuation

The 2026 property tax bill for 395 Freeman Rd was $5,566 with a homeowner's exemption.

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	$5,566.00 Homeowner's exemption
2025		$388,000 (+4.08%) Land $81,900 Building $306,100	$388,000 (+4.08%) Land $81,900 Building $306,100
2024	$5,220.00 Homeowner's exemption	$372,800 (+4.34%) Land $81,900 Building $290,900	$372,800 (+4.34%) Land $81,900 Building $290,900
2023	$5,220.00 Homeowner's exemption	$357,300 (-) Land $78,000 Building $279,300	$357,300 (-) Land $78,000 Building $279,300
2022		$357,300 Land $78,000 Building $279,300	$357,300 Land $78,000 Building $279,300

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

Flood

FEMA maps place 395 Freeman Rd in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective March 13, 2024

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 395 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 21 locations within half a mile, as of December 31, 2025

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

May also be available: Airfiber.

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