520 10th St, Clearwater, MN 55320 Property Records

Wright County property record for 520 10th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 928 sqft · built 2004
Lot Size	0.286 acres (12,467 sqft)
Owner	Individual Name on File
Last Sale	$265,000 (Jul 2021)
Tax Bill	$2,664 (2026)
Deeds & Mortgages	Jul 2021 Mortgage Jul 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-032-002030`

Property Details

APN / Parcel Number

Primary APN	`104-032-002030`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	928 sqft Living Area
1st Floor Area	928 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	12,467 sqft (0.286 acres)
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Deck Area	192 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	520 10TH ST
City	CLEARWATER
State	MN
Zip	55320-1659
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-122 RANGE-027 CEDAR SOUTH 2ND ADDN LOT-003 BLOCK-002 -002
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 2ND ADDN
Legal Block	2
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1057
Census Tract	100300

Owner

520 10th St is owned by an individual who bought it in July 2021.

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

Owner of Record	Individual Name on File
Mailing Address	PO BOX 92, CLEARWATER, MN 55320-0092
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage WATERSTONE MORTGAGE CORP
Jul 21, 2021	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 21, 2021 · Amount on File
Deed Sale	Jul 21, 2021 · Amount on File
Prior Sale	May 5, 2010 · Amount on File
Deed Document Number	20211477435
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	520 10TH ST, CLEARWATER, MN 55320-1659
Transaction Type	Mortgage
Record Updated	Aug 11, 2023
Title Company	MINNESOTA TITLE AGENCY, MINNESOTA TITLE CORPORATE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001477437
Date	Jul 21, 2021
Instrument	1477437

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	121 Months
Due	Aug 1, 2031

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 21, 2021
Property Address	520 10TH ST, CLEARWATER, MN 55320-1659
Document Number	0001477435
Instrument Date	Jul 15, 2021
Instrument	1477435
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	MINNESOTA TITLE CORPORATE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$874.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	520 10TH ST, CLEARWATER, MN 55320-1659

Mortgage

Document Number	0001477436
Date	Jul 21, 2021
Instrument	1477436

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Aug 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 520 10th St was $2,664.

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	$2,664.00	$246,500 (+3.14%) Land $61,000 Building $185,500	$246,500 (+3.14%) Land $61,000 Building $185,500
2025		$239,000 Land $61,000 Building $178,000	$239,000 Land $61,000 Building $178,000
2023	$2,558.00 (+5.44%)	$240,900 Land $66,000 Building $174,900	$240,900 Land $66,000 Building $174,900
2022	$2,426.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 520 10th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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

Wildfire risk around 520 10th 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	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 108 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Cable	1,250 / 60

May also be available: Verizon.

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