415 7th St, Cloquet, MN 55720 Property Records

Carlton County property record for 415 7th St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.114 acres (4,999 sqft)
Owner	Individual Name on File
Last Sale	$92,000 (Aug 2012)
Tax Bill	$2,694 (2026)
Deeds & Mortgages	Jul 2023 Second Mortgage Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`06-280-0300`

Property Details

APN / Parcel Number

Primary APN	`06-280-0300`
Alternative APN	`3502`

Exterior

Lot Area	4,999 sqft (0.114 acres)

Location & Zoning

Account Number	3502
Street Address	415 7TH ST
City	CLOQUET
State	MN
Zip	55720-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF CLOQUET NEW HIGHLAND PARK
Legal Subdivision	NEW HIGHLAND PARK
Legal Block	2
Legal Lot Number	5
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	3
Census Block	3007
Census Tract	70200

Owner

415 7th St is owned and occupied by an individual who acquired it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	415 7TH ST, CLOQUET, MN 55720-2020
Occupancy	Owner Occupied
Owner Type	Individual

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
Jul 13, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage NORTHWOODS CREDIT UNION
Sep 10, 2021	Quit Claim Deed, Transfer · Stand-Alone First Mortgage NORTHWOODS CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2012 · Amount on File
Deed Sale	Aug 1, 2012 · Amount on File
Deed Document Number	2012445058
Last Transfer Date	Aug 26, 2021
Transfer Doc	0000501514
Record Updated	Sep 20, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	415 7TH ST, CLOQUET, MN 55720-2020
Transaction Type	Mortgage
Record Updated	Aug 1, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000512435
Date	Jul 13, 2023
Instrument	A000512435

Lender

Name	NORTHWOODS CREDIT UNION
Type	Credit Union

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	60 Months
Due	Jul 10, 2028

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	CARLTON MN
Recording Date	Sep 10, 2021
Property Address	415 7TH ST, CLOQUET, MN 55720-2020
Document Number	A000501514
Instrument Date	Aug 26, 2021
Instrument	A000501514
Transaction Type	Transfer
Record Updated	Oct 6, 2021
Title Company	MISC COMPANY

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	415 7TH ST, CLOQUET, MN 55720-2020

Mortgage

Document Number	A000501515
Date	Sep 10, 2021
Instrument	A000501515

Lender

Name	NORTHWOODS CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 415 7th St was $2,694 with a homeowner's exemption.

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	$2,694.00 Homeowner's exemption
2025		$184,000 (+4.84%) Land $14,000 Building $170,000	$184,000 (+4.84%) Land $14,000 Building $170,000
2024	$2,526.00 Homeowner's exemption	$175,500 (+4.03%) Land $14,000 Building $161,500	$175,500 (+4.03%) Land $14,000 Building $161,500
2023	$2,526.00 Homeowner's exemption	$168,700 (-) Land $14,000 Building $154,700	$168,700 (-) Land $14,000 Building $154,700
2022		$168,700 Land $14,000 Building $154,700	$168,700 Land $14,000 Building $154,700

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

Flood

FEMA maps place 415 7th 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 415 7th 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	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 508 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

May also be available: Airfiber, AT&T, CenturyLink, CTC.

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