45 3rd St, Cloquet, MN 55720 Property Records

Carlton County property record for 45 3rd St, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.113 acres (4,929 sqft)
Owner	Individual Name on Record
Last Sale	$230,000 (Sep 2025)
Tax Bill	$2,890 (2026)
Deeds & Mortgages	Sep 2025 Mortgage Sep 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`06-045-0560`

Property Details

APN / Parcel Number

Primary APN	`06-045-0560`
Alternative APN	`995`

Exterior

Lot Area	4,929 sqft (0.113 acres)

Location & Zoning

Account Number	995
Street Address	45 3RD ST
City	CLOQUET
State	MN
Zip	55720-1711
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	CITY OF CLOQUET ORIGINAL PLAT
Legal Subdivision	ORIGINAL PLAT
Legal Block	B
Legal Lot Number	12
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	1
Census Block	1052
Census Tract	70401

Owner

Source: Carlton County records, as of April 24, 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 Record
Mailing Address	45 3RD ST, CLOQUET, MN 55720-1711
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 4, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
Sep 21, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 2025 · Amount on Record
Deed Sale	Sep 4, 2025 · Amount on Record
Prior Sale	Sep 21, 2018 · Amount on Record
Deed Document Number	2025523076
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Sep 4, 2025
Property Address	45 3RD ST, CLOQUET, MN 55720-1711
Document Number	A000523076
Instrument Date	Sep 3, 2025
Instrument	A000523076
Transaction Type	Transfer
Record Updated	Oct 2, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLNS

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	45 3RD ST, CLOQUET, MN 55720-1711

Mortgage

Document Number	A000523077
Date	Sep 4, 2025
Instrument	A000523077

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Sep 21, 2018
Property Address	45 3RD ST, CLOQUET, MN 55720-1711
Document Number	A000482422
Instrument Date	Sep 14, 2018
Instrument	A000482422
Transaction Type	Transfer
Record Updated	May 20, 2024

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	43 3RD ST, CLOQUET, MN 55720-1711

Tax Assessment & Valuation

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	$2,890.00 (+6.48%) Homeowner's exemption
2025		$194,600 (+4.34%) Land $12,800 Building $181,800	$194,600 (+4.34%) Land $12,800 Building $181,800
2024	$2,714.00 Homeowner's exemption	$186,500 (+4.19%) Land $12,800 Building $173,700	$186,500 (+4.19%) Land $12,800 Building $173,700
2023	$2,714.00 Homeowner's exemption	$179,000 (-) Land $12,800 Building $166,200	$179,000 (-) Land $12,800 Building $166,200
2022		$179,000 Land $12,800 Building $166,200	$179,000 Land $12,800 Building $166,200

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 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

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 555 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
Airfiber Fixed Wireless	100 / 20

May also be available: CenturyLink, CTC.

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