515 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 515 9th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,090 sqft · built 2003
Lot Size	0.278 acres (12,117 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Aug 2018)
Tax Bill	$3,276 (2026)
Deeds & Mortgages	Oct 2023 Sale & Mortgage Apr 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-028-006020`

Property Details

APN / Parcel Number

Primary APN	`104-028-006020`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,090 sqft Living Area
1st Floor Area	1,090 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2010
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	12,117 sqft (0.278 acres)
Garage Area	652 sqft
Parking Spaces	2 Parking Spaces
Deck Area	124 sqft
Storage Building	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	515 9TH ST
City	CLEARWATER
State	MN
Zip	55320-1655
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-122 RANGE-027 CEDAR SOUTH LOT-002 BLOCK-006
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	6
Legal Lot Number	2
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1057
Census Tract	100300

Owner

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	Individual Name on Record
Mailing Address	515 9TH ST, CLEARWATER, MN 55320-1655
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 19, 2023	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Apr 13, 2022	Transfer on Death Deed, Transfer
May 8, 2020	Deed of Trust, Mortgage · Conventional Mortgage LAKE CENTRAL BANK
Aug 29, 2018	Warranty Deed, Transfer CENTRAL LAND TITLE GUARANTEE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 29, 2018 · Amount on Record
Deed Sale	Aug 29, 2018 · Amount on Record
Prior Sale	Feb 9, 2004 · Amount on Record
Deed Document Number	20181378523
Record Updated	Oct 29, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Oct 19, 2023
Property Address	515 9TH ST, CLEARWATER, MN 55320-1655
Document Number	00A1540865
Instrument Date	Oct 16, 2023
Instrument	A1540865
Transaction Type	Transfer
Record Updated	Jan 21, 2026
Title Company	UNKNOWN, BANKERS TTL MENDOTA HEIGHTS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$956.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 9TH ST, CLEARWATER, MN 55320-1655

Mortgage

Document Number	00A1540866
Date	Oct 19, 2023
Instrument	A1540866

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

April 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WRIGHT MN
Recording Date	Apr 13, 2022
Property Address	515 9TH ST, CLEARWATER, MN 55320-1655
Document Number	00A1504021
Instrument Date	Apr 3, 2022
Instrument	A1504021
Transaction Type	Transfer
Record Updated	Jan 21, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 10TH ST, CLEARWATER, MN 55320-1657

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	515 9TH ST, CLEARWATER, MN 55320-1655
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CENTRAL LAND TTL GUARANTEE C

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001425859
Date	May 8, 2020
Instrument	1425859

Lender

Name	LAKE CENTRAL BANK
Type	Bank
Address	ANNANDALE, MN 55302

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2050

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 29, 2018
Property Address	515 9TH ST, CLEARWATER, MN 55320-1655
Document Number	0001378523
Instrument Date	Aug 24, 2018
Instrument	1378523
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CENTRAL LAND TITLE GUARANTEE

Transaction

Amount	Amount Recorded
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 9TH ST, CLEARWATER, MN 55320-1655

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	$3,276.00 (+0.31%)	$292,100 (+2.56%) Land $61,000 Building $231,100	$292,100 (+2.56%) Land $61,000 Building $231,100
2025	$3,266.00 (+2.64%)	$284,800 (-2%) Land $61,000 Building $223,800	$284,800 (-2%) Land $61,000 Building $223,800
2023	$3,182.00 (+15.37%)	$290,600 Land $66,000 Building $224,600	$290,600 Land $66,000 Building $224,600
2022	$2,758.00

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	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	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 156 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Cable · Fiber in parts of the area	1,250 / 60

May also be available: T-Mobile, Verizon.

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