Carlton County property record for 404 Barbara Cir, Cloquet, MN 55720
| Property Type | Residential Vacant Land |
|---|---|
| Lot Size | 0.727 acres (31,691 sqft) |
| Owner | Individual Name on File |
| Last Sale | $627,300 (Jun 2026) |
| Tax Bill | $800 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Jun 2026 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 06-653-0290 |
| Primary APN | 06-653-0290 |
|---|---|
| Alternative APN |
|
| Lot Area | 31,691 sqft (0.727 acres) |
|---|
| Account Number | 6857 |
|---|---|
| Street Address | 404 BARBARA CIR |
| City | CLOQUET |
| State | MN |
| Zip | 55720-3022 |
| Property Category | Residential |
| Property Type | Vacant Land > Residential |
| Legal Description | DOCKET T 11383 ERICKSON ACRES |
| Legal Subdivision | ERICKSON ACRES |
| Legal Block | 2 |
| Legal Lot Number | 17 |
| Jurisdiction | CARLTON MN |
| Township / Civil Division | CLOQUET |
| Census Block Group | 1 |
| Census Block | 1003 |
| Census Tract | 70100 |
404 Barbara Cir, residential vacant land, is owned and occupied by an individual who bought it in June 2026.
Source: Carlton County records, as of June 29, 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 | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Jun 4, 2026 | Warranty Deed · Conventional Mortgage CHANGE LENDING LLC |
| Jun 22, 2026 | Deed of Trust, Mortgage · Conventional Mortgage FRANDSEN BANK AND TRUST |
| Nov 7, 2023 | Deed of Trust, Mortgage NORTHVIEW BANK |
| Aug 27, 2025 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN LAND & CAPITAL LLC |
| Aug 13, 2025 | Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM |
| Oct 18, 2023 | Warranty Deed, Transfer TITLE STREAM, TITLE TEAM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 4, 2026 · Amount on File |
| Deed Sale | Jun 4, 2026 · Amount on File |
| Prior Sale | Aug 13, 2025 · Amount on File |
| Deed Document Number | 202643418 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Jun 4, 2026 |
| Property Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Document Number | 0000043418 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202643418 |
| Record Updated | Jun 12, 2026 |
| Title Company | TITLE STREAM, TITLE TEAM |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $209,079.09 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Document Number | 0000043419, |
|---|---|
| Date | Jun 4, 2026 |
| Instrument | 202643419 |
| Name | CHANGE LENDING LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.23% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Jun 22, 2026 |
| Property Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Document Number | 0000043446 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 202643446 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Document Number | 0000043446, |
|---|---|
| Date | Jun 22, 2026 |
| Instrument | 202643446 |
| Name | FRANDSEN BANK AND TRUST |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 105 Months |
| Due | Mar 28, 2035 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.37% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2026 |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | T000042080 |
|---|---|
| Date | Nov 7, 2023 |
| Instrument | T000042080 |
| Name | NORTHVIEW BANK |
|---|---|
| Type | Bank |
| Amount | Amount on Record |
|---|---|
| Term | 180 Months |
| Due | Nov 6, 2038 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CARLTON MN |
| Property Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Transaction Type | Mortgage |
| Record Updated | Apr 24, 2026 |
| Name | Verified Name |
|---|
| Document Number | T000043016 |
|---|---|
| Date | Aug 27, 2025 |
| Instrument | T000043016 |
| Name | AMERICAN LAND & CAPITAL LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Aug 13, 2025 |
| Property Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Document Number | T000042983 |
| Instrument Date | Aug 8, 2025 |
| Instrument | T000042983 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2026 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 430 10TH ST, CLOQUET, MN 55720-2033 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | CARLTON MN |
| Recording Date | Oct 18, 2023 |
| Property Address | 404 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Document Number | T000042047 |
| Instrument Date | Oct 16, 2023 |
| Instrument | T000042047 |
| Transaction Type | Transfer |
| Record Updated | Apr 24, 2026 |
| Title Company | TITLE STREAM, TITLE TEAM |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 402 BARBARA CIR, CLOQUET, MN 55720-3022 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 404 Barbara Cir was $800 with a homeowner's exemption.
Source: Carlton County assessment roll, as of April 24, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Carlton County |
| Municipality | Cloquet City |
| Unified School District | Cloquet Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $800.00 Homeowner's exemption | ||
| 2025 | $38,500 (-) Land $38,500 | $38,500 (-) Land $38,500 | |
| 2024 | $790.00 Homeowner's exemption | $38,500 (-) Land $38,500 | $38,500 (-) Land $38,500 |
| 2023 | $790.00 Homeowner's exemption | $38,500 (-) Land $38,500 | $38,500 (-) Land $38,500 |
| 2022 | $38,500 Land $38,500 | $38,500 Land $38,500 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 404 Barbara Cir 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 risk around 404 Barbara Cir is low, with less than 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 96% of the US · lower than 86% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 165 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Mediacom Xtream Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| Airfiber Fixed Wireless | 100 / 20 |
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