415 3rd St, Cloquet, MN 55720 Property Records

Carlton County property record for 415 3rd St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.143 acres (6,246 sqft)
Owner	Individual Name on Record
Last Sale	$110,500 (Oct 2018)
Tax Bill	$2,380 (2026)
Deeds & Mortgages	May 2020 Refinance Oct 2018 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-320-0280`

Property Details

APN / Parcel Number

Primary APN	`06-320-0280`
Alternative APN	`4010`

Exterior

Lot Area	6,246 sqft (0.143 acres)

Location & Zoning

Account Number	4010
Street Address	415 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	4
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	415 3RD ST, CLOQUET, MN 55720-2011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance MEMBERS COOPERATIVE CREDIT UNION
Oct 1, 2018	Warranty Deed, Transfer MEMBERS COOPERATIVE CREDIT UNION
Jul 18, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Prior Sale	Apr 8, 2008 · Amount on Record
Deed Document Number	2018482607
Record Updated	Jun 8, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	415 3RD ST, CLOQUET, MN 55720-2011
Transaction Type	Mortgage
Record Updated	Jun 17, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000491757
Date	May 28, 2020
Instrument	A000491757

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION

Agreement

Type	Stand-Alone Refinance
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Oct 1, 2018
Property Address	415 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000482607
Instrument Date	Sep 28, 2018
Instrument	A000482607
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	415 3RD ST, CLOQUET, MN 55720-2011

Mortgage

Document Number	A000482608
Date	Oct 1, 2018
Instrument	A000482608

Lender

Name	MEMBERS COOPERATIVE CREDIT UNION
Type	Credit Union

Agreement

Amount	Amount Recorded

July 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Jul 18, 2018
Property Address	415 3RD ST, CLOQUET, MN 55720-2011
Document Number	A000481280
Instrument Date	Jul 11, 2017
Instrument	A000481280
Transaction Type	Transfer
Record Updated	Apr 22, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	131 W SUPERIOR ST, DULUTH, MN 55802-3026

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	$2,380.00 (+5.68%) Homeowner's exemption
2025		$166,800 (+4.51%) Land $16,300 Building $150,500	$166,800 (+4.51%) Land $16,300 Building $150,500
2024	$2,252.00 Homeowner's exemption	$159,600 (+4.04%) Land $16,300 Building $143,300	$159,600 (+4.04%) Land $16,300 Building $143,300
2023	$2,252.00 Homeowner's exemption	$153,400 (-) Land $16,300 Building $137,100	$153,400 (-) Land $16,300 Building $137,100
2022		$153,400 Land $16,300 Building $137,100	$153,400 Land $16,300 Building $137,100

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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