Wright County property record for 500 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,628 sqft · built 1924 |
| Lot Size | 0.136 acres (5,938 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $219,000 (Oct 2023) |
| Tax Bill | $2,350 (2026) |
| Deeds & Mortgages | Nov 2023 Sale & Mortgage Sep 2022 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-003100 |
| Primary APN | 104-010-003100 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 1,628 sqft Living Area |
| 1st Floor Area | 1,628 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1924 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 5,938 sqft (0.136 acres) |
| Porch | Porch |
| Porch Area | 125 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 500 MAIN ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2006 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-010 BLOCK-003 LOCK-003 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 3 |
| Legal Lot Number | 10 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 100300 |
500 Main St is owned and occupied by two individuals who bought it in October 2023.
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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 21, 2023 | Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 13, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage FREEDOM MORTGAGE CORP |
| Sep 6, 2017 | Warranty Deed, Transfer PREFERRED TITLE |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 6, 2023 · Amount on File |
| Deed Sale | Oct 6, 2023 · Amount on File |
| Prior Sale | Sep 6, 2017 · Amount on File |
| Deed Document Number | 20231588707 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 21, 2023 |
| Property Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
| Document Number | 00A1542878 |
| Instrument Date | Oct 6, 2023 |
| Instrument | A1542878 |
| Transaction Type | Transfer |
| Record Updated | Jan 1, 2024 |
| Title Company | RPG TITLE LLC, RG TITLE LLC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $494.58 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
| Document Number | 00A1542879 |
|---|---|
| Date | Nov 21, 2023 |
| Instrument | A1542879 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Nov 1, 2053 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
| Transaction Type | Mortgage |
| Record Updated | Oct 7, 2022 |
| Title Company | MORTGAGE CONNECT LP |
| Name | Verified Name |
|---|---|
| Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
| Document Number | 00A1516790 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | A1516790 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | DENVER, CO 80249 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 306 Months |
| Due | Mar 1, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Sep 6, 2017 |
| Property Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
| Document Number | 0001352561 |
| Instrument Date | Aug 31, 2017 |
| Instrument | 1352561 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | PREFERRED TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $462.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 500 MAIN ST, CLEARWATER, MN 55320-2006 |
The 2026 property tax bill for 500 Main St was $2,350.
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 | $2,350.00 | $227,800 (+4.88%) Land $21,000 Building $206,800 | $227,800 (+4.88%) Land $21,000 Building $206,800 |
| 2025 | $217,200 Land $21,000 Building $196,200 | $217,200 Land $21,000 Building $196,200 | |
| 2023 | $1,754.00 (-0.11%) | $202,900 Land $21,000 Building $181,900 | $202,900 Land $21,000 Building $181,900 |
| 2022 | $1,756.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 500 Main St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 risk around 500 Main 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 | 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures