425 Bluff St, Clearwater, MN 55320 Property Records

Wright County property record for 425 Bluff St, Clearwater, MN 55320

Property Summary

Property Type	Multi-Family Dwellings
Details	11,572 sqft · built 1871
Lot Size	0.985 acres (42,907 sqft)
Owner	Company Name on Record
Tax Bill	$11,250 (2026)
Deeds & Mortgages	Oct 2022 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`104-010-029021`

Property Details

APN / Parcel Number

Primary APN	`104-010-029021`

Interior

Building Area	11,572 sqft Living Area

Exterior

Year Built	Built 1871
Effective Year Built	Effective 1950
Architectural Style	Multi-Family
Lot Area	42,907 sqft (0.985 acres)
Garage Type	Mixed
Garage Area	6,234 sqft

Location & Zoning

Street Address	425 BLUFF ST
City	CLEARWATER
State	MN
Zip	55320
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOTS 2,3,4,7,8 AND 9, BLOCK 29, THE VACATED ALLEY, CLEARWATER, ACCORDING T
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ORIGINAL PLAT CLEARWATER
Legal Block	29
Legal Lot Number	2-4,7-8
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1009
Census Tract	100300

Owner

Source: Wright County records, as of July 20, 2026

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

Owner of Record	Company Name on Record
Mailing Address	927 COTTONWOOD ST, NEW ULM, MN 56073-2904
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	425 BLUFF ST, CLEARWATER, MN 55320
Transaction Type	Mortgage
Record Updated	Aug 15, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	510 2ND ST N, NEW ULM, MN 56073-1745

Mortgage

Document Number	00A1519262
Date	Oct 18, 2022
Instrument	A1519262

Lender

Name	UNITED PRAIRIE BANK
Type	Bank
Address	NEW ULM, MN 56073

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 18, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,250.00 (+14.33%)	$742,000 (+0.47%) Land $125,900 Building $616,100	$742,000 (+0.47%) Land $125,900 Building $616,100
2025		$738,500 (+10.79%) Land $125,900 Building $612,600	$738,500 (+10.79%) Land $125,900 Building $612,600
2023	$9,840.00 (+0.26%)	$666,600 Land $125,900 Building $540,700	$666,600 Land $125,900 Building $540,700
2022	$9,814.00

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 April 19, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

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

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.

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
Adjoins Burnable Land	Yes

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	Clearwater serves 2,129 people · EPA ID MN1860025
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, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025

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