Wright County property record for 615 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,360 sqft · built 2002 |
| Lot Size | 0.147 acres (6,437 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Apr 2003) |
| Tax Bill | $2,658 (2026) |
| Deeds & Mortgages | Aug 2023 Second Mortgage Nov 2020 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-020010 |
| Primary APN | 104-010-020010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| 1st Floor Area | 1,360 sqft |
| Basement Area | 612 sqft |
| Finished Basement | 612 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2004 |
| Architectural Style | Dome |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Asphalt |
| Lot Area | 6,437 sqft (0.147 acres) |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 615 SPRING ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2061 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-001 BLOCK-020 LT1 BLK20 ALSO TH PRT OF VAC ALLEY ADJ TO LT 1 LOCK-020 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 20,20 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1020 |
| 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 | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 25, 2023 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ROCKET MORTGAGE LLC |
| Nov 9, 2020 | Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC |
| Jan 25, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Oct 19, 2019 | Deed of Trust, Mortgage · Conventional with PMI QUICKEN LNS |
| Oct 25, 2018 | Deed of Trust, Mortgage · FHA Mortgage QUICKEN LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2003 · Amount on Record |
| Deed Sale | Apr 30, 2003 · Amount on Record |
| Deed Document Number | 200383690 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2023 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|---|
| Address | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Document Number | 00A1537026 |
|---|---|
| Date | Aug 25, 2023 |
| Instrument | A1537026 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Sep 1, 2043 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0001447111 |
|---|---|
| Date | Nov 9, 2020 |
| Instrument | 1447111 |
| Name | QUICKEN LOANS LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 312 Months |
| Due | Nov 1, 2046 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | AMROCK INC, AMROCK LLC |
| Name | Verified Name |
|---|
| Document Number | 00A1497202 |
|---|---|
| Date | Jan 25, 2022 |
| Instrument | A1497202 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 241 Months |
| Due | Feb 1, 2042 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Document Number | 0001409159 |
| Instrument Date | Oct 19, 2019 |
| Transaction Type | Mortgage |
| Record Updated | Nov 20, 2019 |
| Title Company | AMROCK INC |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Relationship | Married Couple |
| Address | 615 SPRING ST CLEARWATER MN 553202061, CLEARWATER, MN 55320-2061 |
| Document Number | 0001409159 |
|---|---|
| Date | Oct 25, 2019 |
| Instrument | 1409159 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 24, 2049 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 615 SPRING ST, CLEARWATER, MN 55320-2061 |
| Document Number | 0001383267 |
| Instrument Date | Oct 25, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Dec 7, 2018 |
| Additional |
|
|---|
| Name | Verified Name |
|---|---|
| Address | 615 SPRING ST CLEARWATER MN 553202061, CLEARWATER, MN 55320-2061 |
| Document Number | 0001383267 |
|---|---|
| Date | Nov 1, 2018 |
| Instrument | 1383267 |
| Name | QUICKEN LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | DETROIT, MI 48226-1906 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 31, 2048 |
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 | $2,658.00 (+0.08%) | $246,400 (+2.45%) Land $20,300 Building $226,100 | $246,400 (+2.45%) Land $20,300 Building $226,100 |
| 2025 | $240,500 (-4.79%) Land $20,000 Building $220,500 | $240,500 (-4.79%) Land $20,000 Building $220,500 | |
| 2023 | $2,656.00 (+26.12%) | $252,600 Land $20,000 Building $232,600 | $252,600 Land $20,000 Building $232,600 |
| 2022 | $2,106.00 |
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 | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures