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520 Main St, Clearwater, MN 55320 Property Records

Wright County property record for 520 Main St, Clearwater, MN 55320

Property Summary

Property TypeSingle Family Home
Details3 bd · 2 ba · 1,686 sqft · built 1911
Lot Size0.154 acres (6,730 sqft)
Owner2 Individual Names on Record
Tax Bill$2,160 (2026)
Deeds & MortgagesJul 2021 Mortgage
Apr 2020 Loan Modification
Flood ZoneZone X (minimal risk)
APN104-010-003070

Property Details

APN / Parcel Number

Primary APN104-010-003070

Interior

Bedrooms3 Beds
Full Baths2 Baths
Stories2 Stories
Building Area1,686 sqft Living Area
1st Floor Area878 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1911
Effective Year BuiltEffective 1985
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialAsphalt
Lot Area6,730 sqft (0.154 acres)
Garage Area576 sqft
Parking Spaces2 Parking Spaces
PorchPorch
Porch Area80 sqft
Patio Area126 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address520 MAIN ST
CityCLEARWATER
StateMN
Zip55320-2006
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-007 BLOCK-003 NW1/2 OF LOT7&SE1/2 OF LOT8 &S8FT OF NW1/2OF LOT 8 BLK3
Legal Range027
Legal Township123
Legal Section35
Legal SubdivisionORIGINAL PLAT CLEARWATER
Legal Block3,3
Legal Lot Number7-8
JurisdictionWRIGHT MN
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1001
Census Tract100300

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 Record2 Individual Names on Record
Mailing Address520 MAIN ST, CLEARWATER, MN 55320-2006
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jul 14, 2021Deed of Trust, Mortgage · Conventional Mortgage
HARVEST BANK
Apr 21, 2020Loan Modification, Mortgage
HARVEST BK

Assessor's Deed Record

Deed Names2 Names on Deed
Record UpdatedSep 20, 2026

July 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWRIGHT MN
Property Address520 MAIN ST, CLEARWATER, MN 55320-2006
Transaction TypeMortgage
Record UpdatedAug 4, 2021
Title CompanyRAINS COUNTY ABSTRACT AND TITLE, STREAMS CNTY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0001476822
DateJul 14, 2021
Instrument1476822
Lender
NameHARVEST BANK
TypeBank
AddressKIMBALL, MN 55353
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term181 Months
DueAug 1, 2036

April 2020: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionWRIGHT MN
Property Address520 MAIN ST, CLEARWATER, MN 55320-2006
Document Number0001430498
Instrument DateApr 21, 2020
Transaction TypeMortgage
Record UpdatedAug 12, 2020
Title CompanyNOT AVAILABLE

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipMarried Couple
Address520 MAIN ST CLEARWATER MN 553202006, CLEARWATER, MN 55320-2006

Mortgage

Document Number0001430498
DateJun 22, 2020
Instrument1430498
Lender
NameHARVEST BK
TypeBank
AddressSAINT AUGUSTA, MN 56301
Agreement
Term60 Months
DueJun 21, 2025

Tax Assessment & Valuation

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

TypeName
StateMinnesota
MunicipalityClearwater City
CountyWright County
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,160.00 (-3.57%)$209,900 (+3.45%) Land $21,200 Building $188,700$209,900 (+3.45%) Land $21,200 Building $188,700
2025$202,900 (-0.88%) Land $21,000 Building $181,900$202,900 (-0.88%) Land $21,000 Building $181,900
2023$2,240.00 (+22.94%)$204,700 Land $21,000 Building $183,700$204,700 Land $21,000 Building $183,700
2022$1,822.00

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 ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims2 (1998–2011)
Claims Outside the SFHA1 of 2
Most Recent ClaimFeb 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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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 SystemClearwater
serves 2,129 people · EPA ID MN1860025
Water SourceGroundwater
Last State InspectionMar 2026
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 187 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Midco
Cable		1,250 / 60
Verizon
Fixed Wireless		300 / 20

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