Wright County property record for 400 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,210 sqft · built 1870 |
| Lot Size | 0.171 acres (7,477 sqft) |
| Owner | Individual Name on File |
| Last Sale | $88,500 (Oct 2001) |
| Tax Bill | $2,576 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-002100 |
| Primary APN | 104-010-002100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,210 sqft Living Area |
| 1st Floor Area | 940 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1870 |
|---|---|
| Effective Year Built | Effective 1985 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 7,477 sqft (0.171 acres) |
| Garage Area | 1,040 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 160 sqft |
| Deck Area | 152 sqft |
| Storage Building | 88 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 400 MAIN ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2007 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-010 BLOCK-002 LT 10&N15FT OF LT 9 BLK 2 LOCK-002 LT 10&N15FT OF LT 9 B |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 2,2 |
| Legal Lot Number | 10,9 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 100300 |
400 Main St is owned and occupied by an individual who bought it in October 2001.
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 | Individual Name on File |
|---|---|
| Mailing Address | 400 MAIN ST, CLEARWATER, MN 55320-2007 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 16, 2001 · Amount on File |
| Deed Sale | Oct 16, 2001 · Amount on File |
| Deed Document Number | 200175266 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 400 Main St was $2,576.
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 | $2,576.00 | $245,800 (+4.91%) Land $23,400 Building $222,400 | $245,800 (+4.91%) Land $23,400 Building $222,400 |
| 2025 | $234,300 Land $20,000 Building $214,300 | $234,300 Land $20,000 Building $214,300 | |
| 2023 | $2,316.00 (+20.5%) | $215,000 Land $20,000 Building $195,000 | $215,000 Land $20,000 Building $195,000 |
| 2022 | $1,922.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 400 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 400 Main St 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 | 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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