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405 Pine St, Clearwater, MN 55320 Property Records

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

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,120 sqft · built 1976
Lot Size0.358 acres (15,596 sqft)
OwnerIndividual Name on File
Last Sale$121,000 (Sep 2007)
Tax Bill$2,406 (2026)
Deeds & MortgagesMar 2019 Mortgage
Jan 2019 Transfer
Flood ZoneZone X (minimal risk)
APN104-010-027050

Property Details

APN / Parcel Number

Primary APN104-010-027050

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,120 sqft Living Area
1st Floor Area1,120 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1976
Effective Year BuiltEffective 1990
Architectural StyleRanch
Exterior MaterialMetal
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area15,596 sqft (0.358 acres)
Garage TypeAttached
Garage Area676 sqft
Parking Spaces2 Parking Spaces
Storage Building96 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address405 PINE ST
CityCLEARWATER
StateMN
Zip55320-2171
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-005 BLOCK-027 LT5 & SE1/2 OF LT4 BLK27 ALSO VAC ALLEY ALSO TH PRT OF V
Legal Range027
Legal Township123
Legal Section35
Legal SubdivisionORIGINAL PLAT CLEARWATER
Legal Block27,27
Legal Lot Number5,4
JurisdictionWRIGHT MN
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1021
Census Tract100300

Owner

Source: Wright County records · APN 104-010-027050

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 AddressPO BOX 282, CLEARWATER, MN 55320-0282
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 08, 2019Deed of Trust, Mortgage · Conventional Mortgage
KEITH & RITA HEATON
Jan 16, 2019Quit Claim Deed, Transfer
ATTORNEY ONLY

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleSep 04, 2007 · Amount on Record
Deed SaleSep 04, 2007 · Amount on Record
Deed Document Number2007106488
Last Transfer DateJan 04, 2019
Transfer Doc0001388166
Record UpdatedSep 20, 2026

March 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWRIGHT MN
Property Address405 PINE ST, CLEARWATER, MN 55320
Document Number0001391568
Instrument DateMar 08, 2019
Transaction TypeMortgage
Record UpdatedApr 01, 2019
Title CompanyATTORNEY ONLY

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 PINE ST CLEARWATER MN 55320, CLEARWATER, MN 55320

Mortgage

Document Number0001391568
DateMar 13, 2019
Instrument1391568
Lender
NameKEITH & RITA HEATON
Address21152 FRANKLIN RD, CLEARWATER, MN 55320-1307
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term120 Months
DueMar 12, 2029

January 2019: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionWRIGHT MN
Recording DateJan 16, 2019
Property Address405 PINE ST, CLEARWATER, MN 55320
Document Number0001388166
Instrument DateJan 04, 2019
Instrument1388166
Transaction TypeTransfer
Record UpdatedFeb 20, 2019
Title CompanyATTORNEY ONLY

Transaction

Tax$0.00
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address405 PINE ST CLEARWATER MN 55320, CLEARWATER, MN 55320

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$2,406.00 (+4.97%)$218,200 (+7.86%) Land $39,400 Building $178,800$218,200 (+7.86%) Land $39,400 Building $178,800
2025$202,300 (+7.09%) Land $31,000 Building $171,300$202,300 (+7.09%) Land $31,000 Building $171,300
2023$2,292.00 (+13.24%)$188,900 Land $32,000 Building $156,900$188,900 Land $32,000 Building $156,900
2022$2,024.00

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
Nearby Flood Policies8 in force
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 10,000 per year
ExposureIndirect
within ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 187 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Midcontinent CommunicationsCable1,250 / 60
VerizonFixed Wireless300 / 20

Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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