420 Spring St, Clearwater, MN 55320 Property Records

Wright County property record for 420 Spring St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 886 sqft · built 1900
Lot Size	0.205 acres (8,947 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Sep 2025)
Tax Bill	$1,790 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-010-014070`

Property Details

APN / Parcel Number

Primary APN	`104-010-014070`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	886 sqft Living Area
1st Floor Area	787 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1900
Effective Year Built	Effective 1966
Exterior Material	Wood
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,947 sqft (0.205 acres)
Garage Area	1,120 sqft
Parking Spaces	4 Parking Spaces
Deck Area	240 sqft
Storage Building	96 sqft

Utilities, Heating & Cooling

Cooling System	Window A/C
Heating System	Forced Air with A/C

Location & Zoning

Street Address	420 SPRING ST
City	CLEARWATER
State	MN
Zip	55320-2012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LT 8 &TH PRT OF LT7 LY NLY OF LN MIDWAY BET &PAR TO LATERAL LNS THOF (N1/2
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ORIGINAL PLAT CLEARWATER
Legal Block	14
Legal Lot Number	8,7
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1003
Census Tract	100300

Owner

Source: Wright County assessment roll, APN 104-010-014070, as of July 20, 2026 · Last verified July 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 File
Mailing Address	420 SPRING ST, CLEARWATER, MN 55320-2012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Sep 12, 2025 · Amount on Record
Deed Sale	Sep 12, 2025 · Amount on Record
Prior Sale	May 04, 2009 · Amount on Record
Deed Document Number	20251585321
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 12, 2025
Property Address	420 SPRING ST, CLEARWATER, MN 55320-2012
Document Number	00A1585321
Instrument Date	Sep 05, 2025
Instrument	A1585321
Transaction Type	Transfer
Record Updated	Apr 03, 2026
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 SPRING ST, CLEARWATER, MN 55320-2012

Mortgage

Document Number	00A1585322
Date	Sep 12, 2025
Instrument	A1585322

Lender

Name	PRIME LENDING INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 01, 2055

Tax Assessment & Valuation

Source: Wright County assessment roll as of July 20, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Clearwater City
County	Wright County
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,790.00 (+0.9%)	$152,900 (+4.58%) Land $26,800 Building $126,100	$152,900 (+4.58%) Land $26,800 Building $126,100
2025	$1,774.00 (+12.71%)	$146,200 (+4.95%) Land $25,000 Building $121,200	$146,200 (+4.95%) Land $25,000 Building $121,200
2023		$139,300 Land $25,000 Building $114,300	$139,300 Land $25,000 Building $114,300
2022	$1,574.00

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Wright County (27171C), as of April 19, 2026 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271711003001, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	2 (1998–2011)
Claims Outside the SFHA	1 of 2
Most Recent Claim	Feb 2011 · other causes

Wildfire

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
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection, 187 locations within half a mile, as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1860025, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Clearwater serves 2,129 people
Water Source	Groundwater
Last State Inspection	Mar 2026
Lead	Under 1 ppb (2021–2023) 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.