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400 Spring St, Clearwater, MN 55320 Property Records

Wright County property record for 400 Spring St, Clearwater, MN 55320 · Last verified July 2026

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,484 sqft · built 1906
Lot Size0.182 acres (7,957 sqft)
OwnerIndividual Name on File
Last Sale$185,000 (Nov 2020)
Tax Bill$2,334 (2026)
Deeds & MortgagesNov 2020 Sale & Mortgage
Apr 2017 Sale
Flood ZoneZone X (minimal risk)
APN104-010-014100

Property Details

APN / Parcel Number

Primary APN104-010-014100

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,484 sqft Living Area
1st Floor Area826 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1906
Effective Year BuiltEffective 1985
Exterior MaterialMetal
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area7,957 sqft (0.182 acres)
Garage Area624 sqft
Parking Spaces2 Parking Spaces

Exterior Amenities

PorchPorch
Porch Area167 sqft
Deck AreaDeck Area
Storage Building224 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C

Location & Zoning

Street Address400 SPRING ST
CityCLEARWATER
StateMN
Zip55320-2012
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-010 BLOCK-014 ALSO NW 20FT OF LT9 BLK14 LOCK-014 ALSO NW 20FT OF LT9 B
Legal Range027
Legal Township123
Legal Section35
Legal SubdivisionORIGINAL PLAT CLEARWATER
Legal Block14,14
Legal Lot Number10,9
JurisdictionWRIGHT MN
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1003
Census Tract100300

Owner

Source: Wright County records · APN 104-010-014100

Assessment roll updated July 20, 2026 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address400 SPRING ST, CLEARWATER, MN 55320-2012
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Nov 02, 2020Warranty Deed, Transfer · Conventional Mortgage
QUICKEN LOANS LLC
Apr 05, 2017Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 02, 2020 · Amount on Record
Deed SaleNov 02, 2020 · Amount on Record
Prior SaleApr 05, 2017 · Amount on Record
Deed Document Number20201446185
Record UpdatedSep 20, 2026

November 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateNov 02, 2020
Property Address400 SPRING ST, CLEARWATER, MN 55320-2012
Document Number0001446185
Instrument DateOct 26, 2020
Instrument1446185
Transaction TypeTransfer
Record UpdatedAug 13, 2021
Title CompanyEDINA REALTY TITLE INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$610.50
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address400 SPRING ST, CLEARWATER, MN 55320-2012

Mortgage

Document Number0001446186
DateNov 02, 2020
Instrument1446186
Lender
NameQUICKEN LOANS LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 01, 2050

April 2017: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateApr 05, 2017
Property Address400 SPRING ST, CLEARWATER, MN 55320-2012
Document Number0001340511
Instrument DateMar 30, 2017
Instrument1340511
Transaction TypeTransfer
Record UpdatedAug 13, 2021

Transaction

AmountAmount Recorded
Tax$471.90
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipTenants in Common

Tax Assessment & Valuation

Source: Wright County records · Assessment roll updated July 20, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMinnesota
MunicipalityClearwater City
CountyWright County
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2026$2,334.00 (-3.23%)$222,600 (+3.06%) Land $24,900 Building $197,700$222,600 (+3.06%) Land $24,900 Building $197,700
2025$216,000 (-4.04%) Land $26,000 Building $190,000$216,000 (-4.04%) Land $26,000 Building $190,000
2023$2,412.00 (+13.88%)$225,100 Land $26,000 Building $199,100$225,100 Land $26,000 Building $199,100
2022$2,118.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wright County (27171C), updated April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271711003001, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Flood Insurance CostPremium on Record
median of 8 individual NFIP policies nearby
Nearby Flood Policies8 in force
8 of 8 on primary residences
Nearby Flood Claims2 (1998–2011)
Claims Outside the SFHA1 of 2
Most Recent ClaimFeb 2011, other causes

Wildfire

Wildfire RiskLow
above 20% of the US · above 39% of Minnesota
Wildfire LikelihoodAbout 1 in 8,333 per year
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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.

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