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610 Main St, Clearwater, MN 55320 Property Records

Wright County property record for 610 Main St, Clearwater, MN 55320

Property Summary

Property TypeSingle Family Home
Details2 bd · 1 ba · 1,272 sqft · built 1900
Lot Size0.136 acres (5,946 sqft)
Owner2 Individual Names on File
Last Sale$210,000 (Aug 2022)
Tax Bill$2,486 (2026)
Deeds & MortgagesAug 2022 Sale
Jan 2020 Sale & Mortgage
+ 2 more
Flood ZoneZone X (minimal risk)
APN104-010-004090

Property Details

APN / Parcel Number

Primary APN104-010-004090

Interior

Bedrooms2 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,272 sqft Living Area
1st Floor Area728 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1900
Effective Year BuiltEffective 1990
Exterior MaterialVinyl
Roof TypeHip
Roof MaterialWood Shingle
Lot Area5,946 sqft (0.136 acres)
Garage Area274 sqft
Parking Spaces1 Parking Space

Exterior Amenities

PorchPorch
Porch Area180 sqft
Deck Area320 sqft
Storage Building80 sqft

Utilities, Heating & Cooling

Cooling SystemNone
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address610 MAIN ST
CityCLEARWATER
StateMN
Zip55320-2020
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-009 BLOCK-004 LOCK-004
Legal Range027
Legal Township123
Legal Section35
Legal SubdivisionORIGINAL PLAT CLEARWATER
Legal Block4
Legal Lot Number9
JurisdictionWRIGHT MN
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1001
Census Tract100300

Owner

610 Main St is owned by two individuals who bought it in August 2022.

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

Owner of Record2 Individual Names on File
Mailing Address115 GOLDFINCH LN, CLEARWATER, MN 55320-2046
Owner TypeIndividual

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

DateDocument
Aug 19, 2022Warranty Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jan 9, 2020Warranty Deed, Transfer
RESULTS MORTGAGE LLC
Sep 19, 2017Deed of Trust, Mortgage
EQUITY BK
May 2, 2017Grant Deed, Transfer
TITLENEXUS LLC

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 4, 2022 · Amount on File
Deed SaleAug 4, 2022 · Amount on File
Prior SaleJan 9, 2020 · Amount on File
Deed Document Number20221450429
Record UpdatedSep 20, 2026

August 2022: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateAug 19, 2022
Property Address610 MAIN ST, CLEARWATER, MN 55320-2020
Document Number00A1514992
Instrument DateAug 4, 2022
InstrumentA1514992
Transaction TypeTransfer
Record UpdatedSep 28, 2022
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount on Record
Tax$693.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address115 GOLDFINCH LN, CLEARWATER, MN 55320-2046

January 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateJan 9, 2020
Property Address610 MAIN ST, CLEARWATER, MN 55320-2020
Document Number0001415607
Instrument DateDec 27, 2019
Instrument1415607
Transaction TypeTransfer
Record UpdatedFeb 10, 2020
Title CompanyTRI-COUNTY ABSTRACT

Transaction

AmountAmount on Record
Loan-to-Value (LTV)LTV on Record
Tax$429.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address610 MAIN ST CLEARWATER MN 553202020, CLEARWATER, MN 55320-2020

Mortgage

Document Number1415608
DateJan 9, 2020
Instrument1415608
Lender
NameRESULTS MORTGAGE LLC
TypeBank
AddressEDINA, MN 55435
Agreement
AmountAmount on Record
Term360 Months
DueJan 8, 2050

September 2017: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionWRIGHT MN
Property Address610 MAIN ST, CLEARWATER, MN 55320-2020
Document Number0001353864
Instrument DateSep 19, 2017
Transaction TypeMortgage
Record UpdatedAug 28, 2018
Title CompanyATTORNEY ONLY

Transaction

Additional
  • Multiple Parcels

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address13637 91ST ST SE BECKER MN 553084715, BECKER, MN 55308-4715
InvestorPossibly a Property Investor

Mortgage

Document Number0001353864
DateSep 21, 2017
Instrument1353864
Lender
NameEQUITY BK
TypeBank
AddressMINNETONKA, MN 55343
Agreement
AmountAmount on Record
Term60 Months
DueSep 20, 2022

May 2017: Grant Deed, Transfer

Document TypeGrant Deed
JurisdictionWRIGHT MN
Recording DateMay 2, 2017
Property Address610 MAIN ST, CLEARWATER, MN 55320-2020
Document Number0001342379
Instrument DateApr 25, 2017
Instrument1342379
Transaction TypeTransfer
Record UpdatedAug 4, 2017
Title CompanyTITLENEXUS LLC

Transaction

AmountAmount on Record
Tax$161.00
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipCompany
Address586 DODGE AVE NW #C ELK RIVER MN 553301913, C, ELK RIVER, MN 55330-1913
InvestorPossibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 610 Main St was $2,486.

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$2,486.00$211,000 (+3.89%) Land $20,000 Building $191,000$211,000 (+3.89%) Land $20,000 Building $191,000
2025$203,100 Land $20,000 Building $183,100$203,100 Land $20,000 Building $183,100
2023$175,600 Land $20,000 Building $155,600$175,600 Land $20,000 Building $155,600
2022$1,710.00

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

Flood

FEMA maps place 610 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 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

Wildfire risk around 610 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 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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