Wright County property record for 610 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2 ba · 1,232 sqft · built 2005 |
| Lot Size | 0.155 acres (6,762 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $250,000 (May 2024) |
| Tax Bill | $2,630 (2026) |
| Deeds & Mortgages | Apr 2022 Mortgage Mar 2018 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-029-001020 |
| Primary APN | 104-029-001020 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,232 sqft Living Area |
| 1st Floor Area | 1,232 sqft |
| Basement Area | 1,232 sqft |
| Finished Basement | 1,232 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2008 |
| Architectural Style | Mobile/Manufactured |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 6,762 sqft (0.155 acres) |
| Garage Type | Attached |
| Garage Area | 504 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 610 SPRING ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-34 TWP-123 RANGE-027 JOSHUA ADDN LOT-002 BLOCK-001 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 34 |
| Legal Subdivision | JOSHUA ADDN |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 100300 |
Source: Wright County records · APN 104-029-001020
Assessment roll updated July 20, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 610 SPRING ST, CLEARWATER, MN 55320-2061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 06, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC |
| Mar 27, 2018 | Warranty Deed, Transfer · FHA Mortgage BAY EQUITY |
| Mar 19, 2018 | Deed of Trust, Mortgage · Line of Credit BAY EQUITY |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | May 28, 2024 · Amount on Record |
| Deed Sale | May 28, 2024 · Amount on Record |
| Prior Sale | Mar 27, 2018 · Amount on Record |
| Deed Document Number | 20241651947 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 610 SPRING ST, CLEARWATER, MN 55320-2061 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2023 |
| Title Company | TITLE SMART INC |
| Name | Verified Name |
|---|
| Document Number | 00A1503277 |
|---|---|
| Date | Apr 06, 2022 |
| Instrument | A1503277 |
| Name | LOANDEPOT.COM LLC |
|---|---|
| Type | Mortgage Company |
| Address | FOOTHILL RANCH, CA 92610 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Mar 27, 2018 |
| Property Address | 610 SPRING ST, CLEARWATER, MN 55320-2061 |
| Document Number | 0001366810 |
| Instrument Date | Mar 19, 2018 |
| Instrument | 1366810 |
| Transaction Type | Transfer |
| Record Updated | Apr 18, 2018 |
| Title Company | LIBERTY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $534.60 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 610 SPRING ST CLEARWATER MN 553202061, CLEARWATER, MN 55320-2061 |
| Document Number | 1366811 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 1366811 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | SAUSALITO, CA 94965 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 26, 2048 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 610 SPRING ST, CLEARWATER, MN 55320-2061 |
| Document Number | 0001366812 |
| Instrument Date | Mar 19, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Sep 29, 2020 |
| Title Company | LIBERTY TITLE |
| Name | Verified Name |
|---|---|
| Relationship | Separate Estate/Property |
| Address | 610 SPRING ST CLEARWATER MN 553202061, CLEARWATER, MN 55320-2061 |
| Document Number | 0001366812 |
|---|---|
| Date | Mar 27, 2018 |
| Instrument | 1366812 |
| Name | BAY EQUITY |
|---|---|
| Type | Funding / Finance Company |
| Address | CONCORD, CA 94520 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Mar 26, 2028 |
| Rate Type | Adjustable Rate |
|---|
Source: Wright County records · Assessment roll updated July 20, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,630.00 (+19%) | $249,400 (+4.66%) Land $20,300 Building $229,100 | $249,400 (+4.66%) Land $20,300 Building $229,100 |
| 2025 | $238,300 (+15.34%) Land $21,000 Building $217,300 | $238,300 (+15.34%) Land $21,000 Building $217,300 | |
| 2023 | $2,210.00 (+0.73%) | $206,600 Land $21,000 Building $185,600 | $206,600 Land $21,000 Building $185,600 |
| 2022 | $2,194.00 |
Source: FEMA National Flood Hazard Layer as of April 19, 2026 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 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 |
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
Based on FCC filings for 187 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Clearwater serves 2,129 people |
|---|---|
| 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 as reported to EPA, not water tested at this address; lead at the tap also depends on the building's own pipes. The full violation and enforcement history is in the system's EPA record.
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