405 3rd St, Cloquet, MN 55720 Property Records

Carlton County property record for 405 3rd St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.143 acres (6,249 sqft)
Owner	Individual Name on File
Last Sale	$305,000 (Aug 2022)
Tax Bill	$4,288 (2026)
Deeds & Mortgages	Jul 2021 Refinance Aug 2022 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`06-320-0240`

Property Details

APN / Parcel Number

Primary APN	`06-320-0240`
Alternative APN	`4008`

Exterior

Lot Area	6,249 sqft (0.143 acres)

Location & Zoning

Account Number	4008
Street Address	405 3RD ST
City	CLOQUET
State	MN
Zip	55720-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S1/2 LTS 1 AND 2 & ALSO EASE FOR RD CITY OF CLOQUET PARK ADDITION
Legal Subdivision	PARK ADDITION
Legal Block	2
Legal Lot Number	1-2
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	3
Census Block	3011
Census Tract	70200

Owner

405 3rd St is owned and occupied by an individual who bought it in August 2022.

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

Owner of Record	Individual Name on File
Mailing Address	405 3RD ST, CLOQUET, MN 55720-2011
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
Jul 12, 2021	Deed of Trust, Mortgage · Stand-Alone Refinance SOVEREIGN LENDING GROUP INC
Aug 19, 2022	Warranty Deed, Transfer · Stand-Alone First Mortgage GUARANTEED RATE INC
Jun 9, 2020	Quit Claim Deed, Transfer · VA Mortgage LOANPAL LLC
Oct 2, 2018	Quit Claim Deed, Transfer Quitclaim
Nov 2, 2017	Affidavit, Transfer CARLTON COUNTY TITLE COMPANY
Nov 2, 2017	Intrafamily Transfer, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 18, 2022 · Amount on File
Deed Sale	Aug 18, 2022 · Amount on File
Prior Sale	Aug 30, 2011 · Amount on File
Deed Document Number	20221455281
Prior Transfer Date	May 9, 2020
Prior Transfer Doc	0000491921
Record Updated	Jun 8, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	405 3RD ST, CLOQUET, MN 55720-2011
Transaction Type	Mortgage
Record Updated	Oct 21, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000500257
Date	Jul 12, 2021
Instrument	A000500257

Lender

Name	SOVEREIGN LENDING GROUP INC
Type	Mortgage Company

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Aug 19, 2022
Property Address	405 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000507956
Instrument Date	Aug 18, 2022
Instrument	A000507956
Transaction Type	Transfer
Record Updated	Sep 14, 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	405 3RD ST, CLOQUET, MN 55720-2011

Mortgage

Document Number	A000507957
Date	Aug 19, 2022
Instrument	A000507957

Lender

Name	GUARANTEED RATE INC
Type	Non-Lending Institution

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Jun 9, 2020
Property Address	405 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000491921
Instrument Date	May 9, 2020
Instrument	A000491921
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	405 3RD ST, CLOQUET, MN 55720-2011

Mortgage

Document Number	A000491922
Date	Jun 9, 2020
Instrument	A000491922

Lender

Name	LOANPAL LLC

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jul 1, 2050

October 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 2, 2018
Property Address	405 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000482629
Instrument Date	Sep 26, 2018
Instrument	A000482629
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	403 3RD ST, CLOQUET, MN 55720-2011

November 2017: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CARLTON MN
Recording Date	Nov 2, 2017
Property Address	405 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000477308
Instrument Date	Oct 25, 2017
Instrument	A000477308
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	CARLTON COUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 3RD ST, 405, CLOQUET, MN 55720-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 3RD ST, CLOQUET, MN 55720-2011

November 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CARLTON MN
Recording Date	Nov 2, 2017
Property Address	405 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000477309
Instrument Date	Oct 25, 2017
Instrument	A000477309
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	CARLTON COUNTY TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 3RD ST, 405, CLOQUET, MN 55720-2011

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 3RD ST, CLOQUET, MN 55720-2011

Mortgage

Document Number	A000477310
Date	Nov 2, 2017
Instrument	A000477310

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company
Address	COLUMBIA, MO 65203

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 405 3rd St was $4,288 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	$4,288.00 Homeowner's exemption
2025		$271,000 (+3.91%) Land $16,300 Building $254,700	$271,000 (+3.91%) Land $16,300 Building $254,700
2024	$4,024.00 Homeowner's exemption	$260,800 (+3.7%) Land $16,300 Building $244,500	$260,800 (+3.7%) Land $16,300 Building $244,500
2023	$4,024.00 Homeowner's exemption	$251,500 (-) Land $16,300 Building $235,200	$251,500 (-) Land $16,300 Building $235,200
2022		$251,500 Land $16,300 Building $235,200	$251,500 Land $16,300 Building $235,200

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

Flood

FEMA maps place 405 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 405 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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