Wright County property record for 520 Maple St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,624 sqft · built 1989 |
| Lot Size | 0.193 acres (8,417 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $175,900 (Jun 2006) |
| Tax Bill | $2,536 (2026) |
| Deeds & Mortgages | May 2022 Mortgage Mar 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-034100 |
| Primary APN | 104-010-034100 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 2 Stories |
| Building Area | 1,624 sqft Living Area |
| 1st Floor Area | 812 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 8,417 sqft (0.193 acres) |
| Garage Type | Attached |
| Garage Area | 616 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 30 sqft |
| Patio Area | 100 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 520 MAPLE ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2039 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER BLOCK-034 LT10BLK34&TH PRT OF VAC ALLEY ADJ TO SD LT 10 LT10BLK34&TH PRT O |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 34,34 |
| Legal Lot Number | 10 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 100300 |
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 | 520 MAPLE ST, CLEARWATER, MN 55320-2039 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 2, 2022 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP |
| Mar 2, 2022 | Deed of Distribution, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 19, 2006 · Amount on Record |
| Deed Sale | Jun 19, 2006 · Amount on Record |
| Prior Sale | Mar 15, 2004 · Amount on Record |
| Deed Document Number | 2006101632 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 520 MAPLE ST, CLEARWATER, MN 55320-2039 |
| Transaction Type | Mortgage |
| Record Updated | Jun 7, 2022 |
| Title Company | PARTNERS TITLE-EDINA, PARTNERS TITLE RESWARE |
| Name | Verified Name |
|---|
| Document Number | 00A1505722 |
|---|---|
| Date | May 2, 2022 |
| Instrument | A1505722 |
| Name | CARDINAL FINANCIAL COMPANY LP |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28273 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | May 1, 2037 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Mar 2, 2022 |
| Property Address | 520 MAPLE ST, CLEARWATER, MN 55320-2039 |
| Document Number | 00A1500105 |
| Instrument Date | Jan 25, 2022 |
| Instrument | A1500105 |
| Transaction Type | Transfer |
| Record Updated | Apr 8, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 MAPLE ST, CLEARWATER, MN 55320-2039 |
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 | $2,536.00 (-2.16%) | $223,700 (+3.14%) Land $26,300 Building $197,400 | $223,700 (+3.14%) Land $26,300 Building $197,400 |
| 2025 | $216,900 (+2.12%) Land $21,000 Building $195,900 | $216,900 (+2.12%) Land $21,000 Building $195,900 | |
| 2023 | $2,592.00 (+8.45%) | $212,400 Land $21,000 Building $191,400 | $212,400 Land $21,000 Building $191,400 |
| 2022 | $2,390.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
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