Wright County property record for 635 9th St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,088 sqft · built 2003 |
| Lot Size | 0.282 acres (12,325 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $167,000 (Sep 2014) |
| Tax Bill | $3,600 (2026) |
| Deeds & Mortgages | Mar 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-028-004130 |
| Primary APN | 104-028-004130 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 4 Stories |
| Building Area | 1,088 sqft Living Area |
| 1st Floor Area | 1,088 sqft |
| Basement Area | 728 sqft |
| Finished Basement | 728 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 12,325 sqft (0.282 acres) |
| Garage Type | Attached |
| Garage Area | 808 sqft |
| Parking Spaces | 3 Parking Spaces |
| Patio Area | 216 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 635 9TH ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1645 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-02 TWP-122 RANGE-027 CEDAR SOUTH LOT-013 BLOCK-004 |
| Legal Range | 027 |
| Legal Township | 122 |
| Legal Section | 02 |
| Legal Subdivision | CEDAR SOUTH |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1055 |
| Census Tract | 100300 |
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 | 635 9TH ST, CLEARWATER, MN 55320-1645 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 3, 2014 · Amount on Record |
| Deed Sale | Sep 3, 2014 · Amount on Record |
| Prior Sale | Apr 14, 2004 · Amount on Record |
| Deed Document Number | 2014125786 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 635 9TH ST, CLEARWATER, MN 55320-1645 |
| Transaction Type | Mortgage |
| Record Updated | Aug 16, 2022 |
| Title Company | INSPIRE CLOSING SERVICES LLC |
| Name | Verified Name |
|---|
| Document Number | 0001462979 |
|---|---|
| Date | Mar 18, 2021 |
| Instrument | 1462979 |
| Name | FREEDOM MORTGAGE CORP |
|---|---|
| Type | Subprime Lender |
| Address | MOUNT LAUREL, NJ 08054 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2051 |
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 | $3,600.00 (+3.75%) | $315,500 (+2.1%) Land $61,000 Building $254,500 | $315,500 (+2.1%) Land $61,000 Building $254,500 |
| 2025 | $309,000 (+0.82%) Land $61,000 Building $248,000 | $309,000 (+0.82%) Land $61,000 Building $248,000 | |
| 2023 | $3,470.00 (+12.23%) | $306,500 Land $66,000 Building $240,500 | $306,500 Land $66,000 Building $240,500 |
| 2022 | $3,092.00 |
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 | None beyond ember reach |
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 156 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Frontier Fiber | 7,000 / 7,000 |
| Midco Cable · Fiber in parts of the area | 1,250 / 60 |
May also be available: T-Mobile, Verizon.
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