405 Bluff St, Clearwater, MN 55320 Property Records

Wright County property record for 405 Bluff St, Clearwater, MN 55320 · Last verified July 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	2 Beds
Bathrooms	5 Baths
Year Built	Built 1955
Square Footage	2,192 sqft Living Area
Lot Size	7,926 sqft (0.182 acres)
Last Sale	$48,000 (2016)
Tax Bill	$1,534.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`104-010-029010`

Interior

Bedrooms	2 Beds
Full Baths	5 Baths
Half Baths	1 Half Bath
Building Area	2,192 sqft Living Area
1st Floor Area	1,990 sqft 1st Floor
Stories	1 Story
Flooring	Wood

Exterior

Year Built	Built 1860
Effective Year Built	Effective 1955
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	7,926 sqft (0.182 acres)
Storage Building	100 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	405 BLUFF ST
City	CLEARWATER
State	MN
Zip	55320-2074
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-001 BLOCK-029 LOCK-029
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ORIGINAL PLAT CLEARWATER
Legal Block	29
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1009
Census Tract	100300

Owner

Source: Wright County records · APN 104-010-029010

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 Record	2 Individual Names on File
Mailing Address	23219 COUNTY ROAD 44, SAINT AUGUSTA, MN 55320-1215
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 18, 2016 · Amount on Record
Deed Sale	Apr 18, 2016 · Amount on Record
Prior Sale	Dec 29, 2009 · Amount on Record
Deed Document Number	20161312467
Record Updated	Sep 20, 2026

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	405 BLUFF ST, CLEARWATER, MN 55320-2074
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001367074
Date	Mar 30, 2018
Instrument	1367074

Lender

Name	LAKE CENTRAL BANK
Type	Bank
Address	ANNANDALE, MN 55302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Mar 23, 2033

Interest

Rate Type	Adjustable Rate
Rate	4.87%
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Clearwater City
County	Wright County
Unified School District	St. 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.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,534.00 (+12.46%)	$113,700 (+2.99%) Land $23,800 Building $89,900	$113,700 (+2.99%) Land $23,800 Building $89,900
2025		$110,400 (+6.98%) Land $25,000 Building $85,400	$110,400 (+6.98%) Land $25,000 Building $85,400
2023	$1,364.00 (+8.6%)	$103,200 Land $25,000 Building $78,200	$103,200 Land $25,000 Building $78,200
2022	$1,256.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wright County (27171C), updated April 19, 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

Wildfire

Wildfire Risk	Low above 20% of the US · above 39% of Minnesota
Wildfire Likelihood	About 1 in 8,333 per year
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; lenders make the official flood determination.