Wright County property record for 405 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,069 sqft · built 1880 |
| Lot Size | 0.136 acres (5,954 sqft) |
| Owner | Individual Name on File |
| Last Sale | $214,900 (Oct 2022) |
| Tax Bill | $2,768 (2026) |
| Deeds & Mortgages | Oct 2022 Sale & Mortgage Jun 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-018011 |
| Primary APN | 104-010-018011 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,069 sqft Living Area |
| 1st Floor Area | 781 sqft |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1880 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Vinyl |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 5,954 sqft (0.136 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Storage Building | 49 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Baseboard |
| Heating Fuel | Electric |
| Street Address | 405 SPRING ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2012 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-001 BLOCK-018 LOCK-018 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 18 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1008 |
| Census Tract | 100300 |
Source: Wright County assessment roll, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 18, 2022 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Jun 28, 2021 | Deed of Trust, Mortgage · Conventional Mortgage MEGASTAR FINANCIAL CORP |
| Mar 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU |
| Jul 11, 2019 | Warranty Deed, Transfer · Conventional Mortgage WATERSTONE MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 14, 2022 · Amount on Record |
| Deed Sale | Oct 14, 2022 · Amount on Record |
| Prior Sale | Jul 11, 2019 · Amount on Record |
| Deed Document Number | 20221477807 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Oct 18, 2022 |
| Property Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Document Number | 00A1519260 |
| Instrument Date | Oct 14, 2022 |
| Instrument | A1519260 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2022 |
| Title Company | LEGACY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.17 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Document Number | 00A1519261 |
|---|---|
| Date | Oct 18, 2022 |
| Instrument | A1519261 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 1, 2052 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Transaction Type | Mortgage |
| Record Updated | Jul 28, 2021 |
| Title Company | REGIS TITLE LLC |
| Name | Verified Name |
|---|
| Document Number | 0001475026 |
|---|---|
| Date | Jun 28, 2021 |
| Instrument | 1475026 |
| Name | MEGASTAR FINANCIAL CORP |
|---|---|
| Type | Funding / Finance Company |
| Address | DENVER, CO 80204 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jul 1, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0001365981 |
|---|---|
| Date | Mar 13, 2018 |
| Instrument | 1365981 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55107 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 11, 2019 |
| Property Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Document Number | 0001400088 |
| Instrument Date | Jul 8, 2019 |
| Instrument | 1400088 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | NORTH TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 405 SPRING ST, CLEARWATER, MN 55320-2012 |
| Document Number | 0001400089 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | 1400089 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 1, 2049 |
| Document Number | 0001400090 |
|---|---|
| Date | Jul 11, 2019 |
| Instrument | 1400090 |
| Name | WATERSTONE MORTGAGE CORP |
|---|---|
| Type | Lending Institution |
| Address | PEWAUKEE, WI 53072 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Aug 1, 2029 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,768.00 (+44.17%) | $235,200 (+3.98%) Land $23,000 Building $212,200 | $235,200 (+3.98%) Land $23,000 Building $212,200 |
| 2025 | $226,200 (+14.88%) Land $23,000 Building $203,200 | $226,200 (+14.88%) Land $23,000 Building $203,200 | |
| 2023 | $1,920.00 (+6.67%) | $196,900 Land $23,000 Building $173,900 | $196,900 Land $23,000 Building $173,900 |
| 2022 | $1,800.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 8 in force |
| Nearby Flood Claims | 2 (1998–2011) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Feb 2011 · other causes |
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.
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Clearwater serves 2,129 people · EPA ID MN1860025 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Mar 2026 |
| Lead | Under 1 ppb (2021–2023) 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
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