615 Smith St, Clearwater, MN 55320 Property Records

Wright County property record for 615 Smith St, Clearwater, MN 55320

Property Summary

Property Type	Barber/Hair Salon
Details	3,105 sqft · built 2020
Lot Size	0.921 acres (40,119 sqft)
Owner	Company Name on Record
Last Sale	$575,000 (Mar 2026)
Tax Bill	$14,484 (2026)
Deeds & Mortgages	Mar 2026 Sale & Line of Credit Jan 2019 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-036-002010`

Property Details

APN / Parcel Number

Primary APN	`104-036-002010`

Interior

Building Area	3,105 sqft Total Area
Flooring	Carpet

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Construction Type	Wood
Roof Type	Gable/Hip
Lot Area	40,119 sqft (0.921 acres)

Location & Zoning

Street Address	615 SMITH ST
City	CLEARWATER
State	MN
Zip	55320
Property Category	Commercial
Property Type	Commercial > Retail > Barber/Hair Salon
Legal Description	SECT-35 TWP-123 RANGE-027 SMITH NELSON 2ND ADDN LOT-001 BLOCK-002 EX TR DES ON DOC1100090(002011 K-002 EX TR DES ON DOC110009
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	SMITH NELSON 2ND ADDN
Legal Block	2
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1026
Census Tract	100300

Owner

Source: Wright County records, as of September 9, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	21998 COUNTY ROAD 7, SAINT AUGUSTA, MN 56301-8720
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Mar 3, 2026	Warranty Deed, Transfer · Line of Credit HARVEST BANK
Jan 25, 2019	Deed, Transfer · Line of Credit LAKE CENTRAL BANK
Nov 9, 2018	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 3, 2026 · Amount on Record
Deed Sale	Mar 3, 2026 · Amount on Record
Prior Sale	Jan 25, 2019 · Amount on Record
Deed Document Number	20261596879
Prior Transfer Date	Nov 1, 2018
Prior Transfer Doc	0001383856
Record Updated	Oct 29, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Mar 3, 2026
Property Address	615 SMITH ST, CLEARWATER, MN 55320
Document Number	00A1596879
Instrument Date	Mar 3, 2026
Instrument	A1596879
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	STEAMS CNTY ABSTRACT & TTL C

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,897.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	21998 COUNTY ROAD 7, SAINT AUGUSTA, MN 56301-8720
Investor	Possibly a Property Investor

Mortgage

Document Number	00A1596880
Date	Mar 3, 2026
Instrument	A1596880

Lender

Name	HARVEST BANK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	WRIGHT MN
Recording Date	Jan 25, 2019
Property Address	615 SMITH ST, CLEARWATER, MN 55320-5001
Document Number	0001388710
Instrument Date	Jan 22, 2019
Instrument	1388710
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	FIRST AMERICAN TITLE INS

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$783.34
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 CASCADE RD, SOUTH HAVEN, MN 55382-9291

Mortgage

Document Number	0001388711
Date	Jan 25, 2019
Instrument	1388711

Lender

Name	LAKE CENTRAL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate	4.87%

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WRIGHT MN
Recording Date	Nov 9, 2018
Property Address	615 SMITH ST, CLEARWATER, MN 55320-5001
Document Number	0001383856
Instrument Date	Nov 1, 2018
Instrument	1383856
Transaction Type	Transfer
Record Updated	Dec 14, 2018
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim Intrafamily Transfer Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Personal Trust
Address	PO BOX 160 ST CLOUD MN 563020160, ST CLOUD, MN 56302-0160

Tax Assessment & Valuation

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	$14,484.00 (+16.19%)	$568,100 (+3.65%) Land $260,700 Building $307,400	$568,100 (+3.65%) Land $260,700 Building $307,400
2025		$548,100 (+10.95%) Land $240,700 Building $307,400	$548,100 (+10.95%) Land $240,700 Building $307,400
2023	$12,466.00 (-9.5%)	$494,000 Land $205,400 Building $288,600	$494,000 Land $205,400 Building $288,600
2022	$13,774.00

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 Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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

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 37 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable · Fiber in parts of the area	1,250 / 250

May also be available: Verizon.

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