425 7th St, Cloquet, MN 55720 Property Records

Carlton County property record for 425 7th St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.229 acres (9,998 sqft)
Owner	Individual Name on File
Tax Bill	$5,156 (2026)
Deeds & Mortgages	May 2023 Sale Jul 2020 Refinance
Flood Zone	Zone X (minimal risk)
APN	`06-280-0340`

Property Details

APN / Parcel Number

Primary APN	`06-280-0340`
Alternative APN	`3504`

Exterior

Architectural Style	Multi-Family
Lot Area	9,998 sqft (0.229 acres)
Total Buildings	2 Buildings

Location & Zoning

Account Number	3504
Street Address	425 7TH ST
City	CLOQUET
State	MN
Zip	55720-2020
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 7 & 8 CITY OF CLOQUET NEW HIGHLAND PARK
Legal Subdivision	NEW HIGHLAND PARK
Legal Block	2
Legal Lot Number	7-8
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	3
Census Block	3007
Census Tract	70200

Owner

425 7th St is owned and occupied by an individual.

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

Owner of Record	Individual Name on File
Mailing Address	425 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
May 22, 2023	Affidavit, Transfer
Jul 17, 2020	Deed of Trust, Mortgage · Stand-Alone Refinance CORNERSTONE STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Jun 8, 2026

May 2023: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	CARLTON MN
Recording Date	May 22, 2023
Property Address	425 7TH ST, CLOQUET, MN 55720-2020
Document Number	A000511672
Instrument Date	May 8, 2023
Instrument	A000511672
Transaction Type	Transfer
Record Updated	Jun 13, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	425 7TH ST, CLOQUET, MN 55720-2020

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	425 7TH ST, CLOQUET, MN 55720-2020
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000492795
Date	Jul 17, 2020
Instrument	A000492795

Lender

Name	CORNERSTONE STATE BANK

Agreement

Type	Stand-Alone Refinance
Amount	Amount on Record
Term	85 Months
Due	Aug 1, 2027

Tax Assessment & Valuation

The 2026 property tax bill for 425 7th St was $5,156 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	$5,156.00 Homeowner's exemption
2025		$318,400 (+4.81%) Land $24,800 Building $293,600	$318,400 (+4.81%) Land $24,800 Building $293,600
2024	$4,754.00 Homeowner's exemption	$303,800 (+4.08%) Land $24,800 Building $279,000	$303,800 (+4.08%) Land $24,800 Building $279,000
2023	$4,754.00 Homeowner's exemption	$291,900 (-) Land $24,800 Building $267,100	$291,900 (-) Land $24,800 Building $267,100
2022		$291,900 Land $24,800 Building $267,100	$291,900 Land $24,800 Building $267,100

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

Flood

FEMA maps place 425 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 425 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.

Nearby Properties on 7th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures