409 3rd St, Cloquet, MN 55720 Property Records

Carlton County property record for 409 3rd St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.143 acres (6,248 sqft)
Owner	Individual Name on Record
Tax Bill	$2,622 (2026)
Deeds & Mortgages	Jul 2019 Mortgage May 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-320-0260`

Property Details

APN / Parcel Number

Primary APN	`06-320-0260`
Alternative APN	`4009`

Exterior

Lot Area	6,248 sqft (0.143 acres)

Location & Zoning

Account Number	4009
Street Address	409 3RD ST
City	CLOQUET
State	MN
Zip	55720-2011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF CLOQUET PARK ADDITION
Legal Subdivision	PARK ADDITION
Legal Block	2
Legal Lot Number	3
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	3
Census Block	3011
Census Tract	70200

Owner

Source: Carlton County records, as of April 24, 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	409 3RD ST, CLOQUET, MN 55720-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 22, 2019	Deed of Trust, Mortgage · ARM MEMBERS COOPERATIVE CREDIT UNION
May 23, 2019	Deed of Trust, Mortgage · ARM MEMBERS COOPERATIVE CREDIT UNION
Aug 8, 2018	Deed of Trust, Mortgage DITECH FINANCIAL LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	May 16, 2013
Transfer Doc	0000450502
Record Updated	Jun 8, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	409 3RD ST, CLOQUET, MN 55720-2011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000486837
Date	Jul 22, 2019
Instrument	A000486837

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	5.7%
Type Change Date	Jun 24, 2022
Index	Prime Rate

May 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	409 3RD ST, CLOQUET, MN 55720-2011
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000485909
Date	May 23, 2019
Instrument	A000485909

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	ARM
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2034

Interest

Rate Type	Adjustable Rate
Rate	6.5%
Type Change Date	May 13, 2022
Index	Other
Margin	2

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	409 3RD ST, CLOQUET, MN 55720-2011
Transaction Type	Mortgage
Record Updated	Sep 6, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000481641
Date	Aug 8, 2018
Instrument	A000481641

Lender

Name	DITECH FINANCIAL LLC
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	353 Months
Due	Jan 1, 2048

Tax Assessment & Valuation

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	$2,622.00 (+6.07%) Homeowner's exemption
2025		$180,000 (+4.41%) Land $16,300 Building $163,700	$180,000 (+4.41%) Land $16,300 Building $163,700
2024	$2,472.00 Homeowner's exemption	$172,400 (+4.11%) Land $16,300 Building $156,100	$172,400 (+4.11%) Land $16,300 Building $156,100
2023	$2,472.00 Homeowner's exemption	$165,600 (-) Land $16,300 Building $149,300	$165,600 (-) Land $16,300 Building $149,300
2022		$165,600 Land $16,300 Building $149,300	$165,600 Land $16,300 Building $149,300

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 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

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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