Wright County property record for 435 Bluff St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1,344 sqft · built 1947 |
| Lot Size | 1.42 acres (62,173 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $120,000 (May 2022) |
| Tax Bill | $3,384 (2026) |
| Deeds & Mortgages | Jan 2023 Mortgage May 2022 Transfer + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-029020 |
| Primary APN | 104-010-029020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 1,344 sqft Living Area |
| Flooring | Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1947 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Lot Area | 62,173 sqft (1.42 acres) |
| Garage Area | 864 sqft |
| Parking Spaces | 3 Parking Spaces |
| Heating System | Forced Air with A/C |
|---|
| Street Address | 435 BLUFF ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER BLOCK-029 THOSE PARTS OF LOTS 4, 5, 6, AND 7, BLOCK 29, NORTHWEST HALF OF |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 29,29 |
| Legal Lot Number | 4-6 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 100300 |
Source: Wright County records, as of July 20, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1527 KEATS AVE NW, ANNANDALE, MN 55302-3225 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 9, 2023 | Deed of Trust, Mortgage · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| May 31, 2022 | Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| May 31, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Feb 22, 2017 | Warranty Deed, Transfer · Line of Credit MIDCOUNTRY BK |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 23, 2022 · Amount on Record |
| Deed Sale | May 23, 2022 · Amount on Record |
| Prior Sale | Jun 6, 2001 · Amount on Record |
| Deed Document Number | 20221416767 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 435 BLUFF ST, CLEARWATER, MN 55320 |
| Transaction Type | Mortgage |
| Record Updated | Feb 14, 2023 |
| Title Company | CUSTOM HOME BUILDERS TITLE, CUSTOM HOME BUILDERS TTL LLC |
| Name | Verified Name |
|---|---|
| Address | 435 BLUFF ST, CLEARWATER, MN 55320 |
| Document Number | 00A1523989 |
|---|---|
| Date | Jan 9, 2023 |
| Instrument | A1523989 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHICAGO, IL 60613 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Feb 1, 2053 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 31, 2022 |
| Property Address | 435 BLUFF ST, CLEARWATER, MN 55320 |
| Document Number | 00A1508372 |
| Instrument Date | May 23, 2022 |
| Instrument | A1508372 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 BLUFF ST, CLEARWATER, MN 55320 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 31, 2022 |
| Property Address | 435 BLUFF ST, CLEARWATER, MN 55320 |
| Document Number | 00A1508373 |
| Instrument Date | May 23, 2022 |
| Instrument | A1508373 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $396.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1527 KEATS AVE NW, ANNANDALE, MN 55302-3225 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Feb 22, 2017 |
| Property Address | 435 BLUFF ST, CLEARWATER, MN 55320 |
| Document Number | 0001337356 |
| Instrument Date | Feb 2, 2017 |
| Instrument | 1337356 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2017 |
| Title Company | TRI-COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,980.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Company |
| Address | 927 COTTONWOOD ST NEW ULM MN 560732904, NEW ULM, MN 56073-2904 |
| Document Number | 1337357 |
|---|---|
| Date | Feb 22, 2017 |
| Instrument | 1337357 |
| Name | MIDCOUNTRY BK |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, MN 56301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 84 Months |
| Due | Feb 21, 2024 |
| Rate Type | Adjustable Rate |
|---|
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,384.00 (+245.31%) | $306,200 (+7.89%) Land $44,900 Building $261,300 | $306,200 (+7.89%) Land $44,900 Building $261,300 |
| 2025 | $283,800 (+5.7%) Land $35,000 Building $248,800 | $283,800 (+5.7%) Land $35,000 Building $248,800 | |
| 2023 | $980.00 (+4.26%) | $268,500 Land $35,000 Building $233,500 | $268,500 Land $35,000 Building $233,500 |
| 2022 | $940.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
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 |
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