409 Arch St, Cloquet, MN 55720 Property Records

Carlton County property record for 409 Arch St, Cloquet, MN 55720

Property Summary

Property Type	Apartments (5+ Units)
Lot Size	0.169 acres (7,398 sqft)
Owner	Company Name on File
Last Sale	$350,000 (Mar 2026)
Tax Bill	$7,092 (2026)
Deeds & Mortgages	Mar 2026 Mortgage Mar 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-045-5500`

Property Details

APN / Parcel Number

Primary APN	`06-045-5500`
Alternative APN	`1229`

Interior

Units	5 Units

Exterior

Lot Area	7,398 sqft (0.169 acres)

Location & Zoning

Account Number	1229
Street Address	409 ARCH ST
City	CLOQUET
State	MN
Zip	55720-1568
Property Category	Residential
Property Type	Residential > Multi-Unit > Apartments (5+ Units)
Legal Description	CITY OF CLOQUET ORIGINAL PLAT
Legal Subdivision	ORIGINAL PLAT
Legal Block	42
Legal Lot Number	2
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	1
Census Block	1040
Census Tract	70401

Owner

409 Arch St, a residential property, is owned by a company that bought it in March 2026.

Source: Carlton County records, as of April 24, 2026

Owner of Record	Company Name on File
Mailing Address	3037 PARKWOOD LN, DULUTH, MN 55811-5801
Owner Type	Company
Vesting	Limited Liability Partnership

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Mar 4, 2026	Deed of Trust, Mortgage · Non-Conforming Investor Loan WESTERN NATIONAL BANK
Mar 4, 2026	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM
Jul 9, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage SUPERIOR CHOICE CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 4, 2026 · Amount on File
Deed Sale	Mar 4, 2026 · Amount on File
Prior Sale	Jul 9, 2021 · Amount on File
Deed Document Number	2026525738
Record Updated	Jun 8, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	409 ARCH ST, CLOQUET, MN 55720-1568
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000525739
Date	Mar 4, 2026
Instrument	A000525739

Lender

Name	WESTERN NATIONAL BANK
Type	Bank

Agreement

Type	Non-Conforming Investor Loan
Amount	Amount on Record
Term	36 Months
Due	Mar 3, 2029

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Mar 4, 2026
Property Address	409 ARCH ST, CLOQUET, MN 55720-1568
Document Number	A000525738
Instrument Date	Mar 3, 2026
Instrument	A000525738
Transaction Type	Transfer
Record Updated	Mar 24, 2026
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3037 PARKWOOD LN, DULUTH, MN 55811-5801

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 9, 2021
Property Address	409 ARCH ST, CLOQUET, MN 55720-1568
Document Number	A000500226
Instrument Date	Jul 7, 2021
Instrument	A000500226
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 LAKE ST N, FOREST LAKE, MN 55025-2744

Mortgage

Document Number	A000500227
Date	Jul 9, 2021
Instrument	A000500227

Lender

Name	SUPERIOR CHOICE CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 409 Arch St was $7,092.

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	$7,092.00
2025		$316,400 (+6.64%) Land $14,600 Building $301,800	$316,400 (+6.64%) Land $14,600 Building $301,800
2024	$6,340.00	$296,700 (+4.36%) Land $14,600 Building $282,100	$296,700 (+4.36%) Land $14,600 Building $282,100
2023	$6,340.00	$284,300 (+18.8%) Land $14,600 Building $269,700	$284,300 (+18.8%) Land $14,600 Building $269,700
2022		$239,300 Land $14,600 Building $224,700	$239,300 Land $14,600 Building $224,700

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

Flood

FEMA maps place 409 Arch St in Zone X, an area of minimal flood risk.

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

Wildfire risk around 409 Arch St is low, with a 0.01% annual chance of 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	Indirect within 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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