625 Bluff St, Clearwater, MN 55320 Property Records

Wright County property record for 625 Bluff St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,392 sqft · built 1937
Lot Size	0.596 acres (26,003 sqft)
Owner	2 Individual Names on Record
Last Sale	$161,000 (Mar 2008)
Tax Bill	$2,672 (2026)
Deeds & Mortgages	Nov 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-010-027020`

Property Details

APN / Parcel Number

Primary APN	`104-010-027020`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,392 sqft Living Area
1st Floor Area	1,140 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1937
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	26,003 sqft (0.596 acres)
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft
Storage Building	234 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	625 BLUFF ST
City	CLEARWATER
State	MN
Zip	55320-2025
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-002 BLOCK-027 LTS2,3 & NW1/2 OF LT4 ALSO VAC ALLEY ALSO TH PRT OF VAC
Legal Range	027
Legal Township	123
Legal Section	35
Legal Subdivision	ORIGINAL PLAT CLEARWATER
Legal Block	27
Legal Lot Number	2,4
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1021
Census Tract	100300

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	PO BOX 314, CLEARWATER, MN 55320-0314
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 4, 2008 · Amount on Record
Deed Sale	Mar 4, 2008 · Amount on Record
Prior Sale	Jul 22, 2005 · Amount on Record
Deed Document Number	2008107811
Record Updated	Oct 29, 2026

November 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	625 BLUFF ST, CLEARWATER, MN 55320-2025
Transaction Type	Mortgage
Record Updated	Dec 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001489179
Date	Nov 2, 2021
Instrument	1489179

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	SARTELL, MN 56377

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

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	$2,672.00 (+15.37%)	$227,300 (+8.44%) Land $47,800 Building $179,500	$227,300 (+8.44%) Land $47,800 Building $179,500
2025		$209,600 (+3.92%) Land $36,000 Building $173,600	$209,600 (+3.92%) Land $36,000 Building $173,600
2023	$2,316.00 (+3.95%)	$201,700 Land $36,000 Building $165,700	$201,700 Land $36,000 Building $165,700
2022	$2,228.00

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
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	Indirect within 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 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