405 Westgate Cir, Hawley, MN 56549 Property Records

Clay County property record for 405 Westgate Cir, Hawley, MN 56549

Property Summary

Property Type	Single Family Home
Details	built 1976
Lot Size	0.34 acres (15,002 sqft)
Owner	Individual Name on Record
Tax Bill	$2,820 (2026)
Deeds & Mortgages	May 2019 Mortgage Feb 2018 Loan Modification + 1 more
Flood Zone	Zone X (minimal risk)
APN	`56.775.0410`

Property Details

APN / Parcel Number

Primary APN	`56.775.0410`

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Lot Area	15,002 sqft (0.34 acres)

Location & Zoning

Street Address	405 WESTGATE CIR
City	HAWLEY
State	MN
Zip	56549-4424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SUBDIVISIONNAME WESTGATE 2ND ADD SUBDIVISIONCD 56775 LOT 4 10 HAWLEY CITY
Legal Range	45
Legal Township	139
Legal Section	02
Legal Subdivision	WESTGATE 2ND ADD
Legal Block	10
Legal Lot Number	4
Jurisdiction	CLAY MN
Township / Civil Division	HAWLEY
Census Block Group	1
Census Block	1087
Census Tract	30201

Owner

Source: Clay County records, as of August 25, 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 Record
Mailing Address	405 WESTGATE CIR, HAWLEY, MN 56549-4424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 2, 2019	Deed of Trust, Mortgage · Conventional Mortgage VALLEY PREMIER BANK
Feb 5, 2018	Loan Modification, Mortgage · Conventional Mortgage VALLEY PREMIER BK
Sep 8, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2017
Deed Sale	Sep 8, 2017
Deed Document Number	2017772726
Prior Transfer Date	Sep 7, 2017
Prior Transfer Doc	0000772726
Record Updated	Oct 29, 2026

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CLAY MN
Property Address	405 WESTGATE CIR, HAWLEY, MN 56549-4424
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000788966
Date	May 2, 2019
Instrument	788966

Lender

Name	VALLEY PREMIER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

February 2018: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	CLAY MN
Property Address	405 WESTGATE CIR, HAWLEY, MN 56549-4424
Document Number	0000777048
Instrument Date	Feb 5, 2018
Transaction Type	Mortgage
Record Updated	Feb 15, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 WESTGATE CIR HAWLEY MN 565494424, HAWLEY, MN 56549-4424

Mortgage

Document Number	0000777048
Date	Feb 7, 2018
Instrument	777048

Lender

Name	VALLEY PREMIER BK
Address	HAWLEY, MN 56549

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Feb 6, 2023

Interest

Rate Type	Fixed Rate
Rate	4.95%

September 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CLAY MN
Recording Date	Sep 8, 2017
Property Address	405 WESTGATE CIR, HAWLEY, MN 56549-4424
Document Number	0000772726
Instrument Date	Sep 7, 2017
Instrument	772726
Transaction Type	Transfer
Record Updated	Sep 21, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 WESTGATE CIR HAWLEY MN 565494424, HAWLEY, MN 56549-4424

Tax Assessment & Valuation

Source: Clay County assessment roll, as of August 25, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Clay County
Municipality	Hawley City
Unified School District	Hawley Public School District (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,820.00 (-11.93%) Homeowner's exemption	$221,000 (-0.14%) Land $31,200 Building $189,800	$221,000 (-0.14%) Land $31,200 Building $189,800
2025		$221,300 (+17.34%) Land $31,200 Building $190,100	$221,300 (+17.34%) Land $31,200 Building $190,100
2023	$3,202.00 Homeowner's exemption	$188,600 Land $31,200 Building $157,400	$188,600 Land $31,200 Building $157,400

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

Flood

Source: FEMA National Flood Hazard Layer, effective October 26, 2025 · 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	1 in force
Nearby Flood Claims	1 (2010)
Most Recent Claim	Jun 2010

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 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	Hawley serves 2,267 people · EPA ID MN1140006
Water Source	Groundwater
Last State Inspection	Aug 2025
Lead	Under 1 ppb (2025) 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 75 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber · Fixed Wireless in parts of the area	5,000 / 5,000
Arvig Fiber · Cable	1,000 / 500
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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