6431 Morris Thomas Rd E, Cloquet, MN 55720 Property Records

St. Louis County property record for 6431 Morris Thomas Rd E, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,201 sqft · built 1950
Lot Size	13.3 acres (580,655 sqft)
Owner	Individual Name on Record
Tax Bill	$1,808 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Sep 2020 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`530-0010-05160`

Property Details

APN / Parcel Number

Primary APN	`530-0010-05160`
Alternative APN	`1072910`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,201 sqft Gross Area
1st Floor Area	980 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Lot Area	580,655 sqft (13.3 acres)
Garage Area	816 sqft

Exterior Amenities

Porch	Porch
Porch Area	36 sqft
Storage Building	64 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating Fuel	Gas

Location & Zoning

Account Number	1072910
Street Address	6431 MORRIS THOMAS RD
City	CLOQUET
State	MN
Zip	55720-9265
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RES
Legal Description	WEST 824 FEET OF SE1/4 OF SW1/4, EXCEPT THEWESTERLY 384 FEET SERIAL #
Legal Range	16W
Legal Township	50N
Legal Section	27
Legal Subdivision	SOLWAY TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	SOLWAY
Census Block Group	4
Census Block	4043
Census Tract	11102

Owner

Source: St. Louis County records, as of August 17, 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	6431 MORRIS THOMAS RD, CLOQUET, MN 55720-9265
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2022	Deed of Trust, Mortgage · Line of Credit NORTH SHORE BANK OF COMMERCE
Sep 2, 2020	Deed of Trust, Construction Loan · Construction Mortgage FRANDSEN BK&TR
Jun 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE
Jun 26, 2019	Quit Claim Deed, Transfer NOT AVAILABLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 25, 2019
Transfer Doc	00A1357452
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	6431 MORRIS THOMAS RD E, CLOQUET, MN 55720-9265
Transaction Type	Mortgage
Record Updated	Aug 30, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 MORRIS THOMAS RD E, CLOQUET, MN 55720-9265

Mortgage

Document Number	0001447897
Date	Jul 19, 2022
Instrument	1447897

Lender

Name	NORTH SHORE BANK OF COMMERCE
Type	Bank
Address	DULUTH, MN 55802

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Jun 29, 2027

Interest

Rate Type	Adjustable Rate
Rate	4.75%
Change Frequency	Monthly

September 2020: Deed of Trust, Construction Loan

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Recording Date	Sep 2, 2020
Property Address	6431 MORRIS THOMAS RD E, CLOQUET, MN 55720-9265
Document Number	00A1389364
Instrument Date	Aug 25, 2020
Instrument	A1389364
Transaction Type	Construction Loan
Record Updated	Oct 6, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	6437 MORRIS THOMAS RD E CLOQUET MN 55720, CLOQUET, MN 55720

Mortgage

Document Number	00A1389364
Date	Sep 2, 2020
Instrument	A1389364

Lender

Name	FRANDSEN BK&TR
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Sep 1, 2021

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 26, 2019
Property Address	6431 MORRIS THOMAS RD E, CLOQUET, MN 55720-9265
Document Number	00A1357451
Instrument Date	Jun 25, 2019
Instrument	A1357451
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	11 N 1ST ST ESKO MN 557339650, ESKO, MN 55733-9650

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 26, 2019
Property Address	6431 MORRIS THOMAS RD E, CLOQUET, MN 55720-9265
Document Number	00A1357453
Instrument Date	Jun 25, 2019
Instrument	A1357453
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8523 VINLAND ST DULUTH MN 558101450, DULUTH, MN 55810-1450

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	ST LOUIS MN
Recording Date	Jun 26, 2019
Property Address	6431 MORRIS THOMAS RD E, CLOQUET, MN 55720-9265
Document Number	00A1357452
Instrument Date	Jun 25, 2019
Instrument	A1357452
Transaction Type	Transfer
Record Updated	Jul 9, 2019
Title Company	NOT AVAILABLE

Transaction

Amount	Amount Recorded
Tax	$1.65
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6431 MORRIS THOMAS RD E CLOQUET MN 557209265, CLOQUET, MN 55720-9265

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Solway Township
Unified School District	Proctor Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,808.00 (+4.15%) Homeowner's exemption
2025	$1,736.00 (+8.23%) Homeowner's exemption	$211,600 (+7.47%) Land $85,500 Building $126,100	$211,600 (+7.47%) Land $85,500 Building $126,100
2024	$1,604.00	$196,900 (+10.49%) Land $82,100 Building $114,800	$196,900 (+10.49%) Land $82,100 Building $114,800
2022		$178,200 Land $56,700 Building $121,500	$178,200 Land $56,700 Building $121,500

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 March 24, 2025 · 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	1 in force

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 12 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Fiber	2,000 / 1,000
Starlink Satellite	280 / 30

Cell Coverage

5G (outdoors only) and 4G LTE

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