402 3rd St, Cloquet, MN 55720 Property Records

Carlton County property record for 402 3rd St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.286 acres (12,484 sqft)
Owner	Individual Name on File
Last Sale	$298,000 (May 2026)
Tax Bill	$1,358 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Jun 2019 Refinance + 5 more
Flood Zone	Zone X (minimal risk)
APN	`06-320-0020`

Property Details

APN / Parcel Number

Primary APN	`06-320-0020`
Alternative APN	`3997`

Exterior

Lot Area	12,484 sqft (0.286 acres)

Location & Zoning

Account Number	3997
Street Address	402 3RD ST
City	CLOQUET
State	MN
Zip	55720-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 1 AND 2 CITY OF CLOQUET PARK ADDITION
Legal Subdivision	PARK ADDITION
Legal Block	1
Legal Lot Number	1-2
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	3
Census Block	3010
Census Tract	70200

Owner

402 3rd St is owned and occupied by an individual who bought it in May 2026.

Source: Carlton County records, as of May 18, 2026

Owner of Record	Individual Name on File
Mailing Address	402 3RD ST, CLOQUET, MN 55720-2012
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Jun 27, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOAN INC
Jun 10, 2019	Deed of Trust, Mortgage · Stand-Alone Refinance CMG MORTGAGE INC
Mar 8, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWOODS CREDIT UNION
Jul 23, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance NORTHLAND FOUNDATION
Aug 17, 2015	Deed of Trust, Mortgage NORTHWOODS CU
May 7, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE FEDERAL CREDIT UNION
Aug 25, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 7, 2026 · Amount on File
Deed Sale	May 7, 2026 · Amount on File
Prior Sale	Aug 18, 2022 · Amount on File
Deed Document Number	2026526640
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000480895
Date	Jun 27, 2018
Instrument	A000480895

Lender

Name	QUICKEN LOAN INC
Type	Lending Institution

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	355 Months
Due	Jan 1, 2048

June 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000486190
Date	Jun 10, 2019
Instrument	A000486190

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2049

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000497576
Date	Mar 8, 2021
Instrument	A000497576

Lender

Name	NORTHWOODS CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	181 Months
Due	Apr 1, 2036

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000500512
Date	Jul 23, 2021
Instrument	A000500512

Lender

Name	NORTHLAND FOUNDATION

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2031

August 2015: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Transaction Type	Mortgage
Record Updated	May 26, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000464152
Date	Aug 17, 2015
Instrument	A000464152

Lender

Name	NORTHWOODS CU
Type	Credit Union
Address	CLOQUET, MN 55720

Agreement

Amount	Amount on Record
Term	60 Months
Due	Aug 10, 2020

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	May 7, 2026
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Document Number	0000526640
Instrument Date	Apr 23, 2026
Instrument	2026.526640
Transaction Type	Transfer
Record Updated	May 19, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,323.40
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	402 3RD ST, CLOQUET, MN 55720-2012

Mortgage

Document Number	0000526640,
Date	May 7, 2026
Instrument	2026.526640

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	May 5, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 25, 2022
Property Address	402 3RD ST, CLOQUET, MN 55720-2012
Document Number	A000508070
Instrument Date	Aug 18, 2022
Instrument	A000508070
Transaction Type	Transfer
Record Updated	Sep 21, 2022
Title Company	MISC COMPANY

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	402 3RD ST, CLOQUET, MN 55720-2012

Mortgage

Document Number	A000508071
Date	Aug 25, 2022
Instrument	A000508071

Lender

Name	NORTH SHORE BANK
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 402 3rd St was $1,358 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	$1,358.00 Homeowner's exemption
2025		$227,200 (+4.17%) Land $28,900 Building $198,300	$227,200 (+4.17%) Land $28,900 Building $198,300
2024	$3,416.00 Homeowner's exemption	$218,100 (+3.76%) Land $28,900 Building $189,200	$218,100 (+3.76%) Land $28,900 Building $189,200
2023	$3,416.00 Homeowner's exemption	$210,200 (-) Land $28,900 Building $181,300	$210,200 (-) Land $28,900 Building $181,300
2022		$210,200 Land $28,900 Building $181,300	$210,200 Land $28,900 Building $181,300

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

Flood

FEMA maps place 402 3rd St 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 402 3rd 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	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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