650 10th St, Clearwater, MN 55320 Property Records

Wright County property record for 650 10th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,306 sqft · built 2004
Lot Size	0.275 acres (11,977 sqft)
Owner	Individual Name on File
Last Sale	$165,000 (Oct 2014)
Tax Bill	$3,914 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Mar 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`104-032-003190`

Property Details

APN / Parcel Number

Primary APN	`104-032-003190`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,306 sqft Living Area
1st Floor Area	1,306 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Split Level
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	11,977 sqft (0.275 acres)
Garage Type	Attached
Garage Area	724 sqft
Parking Spaces	3 Parking Spaces
Porch	Porch
Porch Area	122 sqft
Deck Area	196 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	650 10TH ST
City	CLEARWATER
State	MN
Zip	55320-1657
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-122 RANGE-027 CEDAR SOUTH 2ND ADDN LOT-019 BLOCK-003 -003
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 2ND ADDN
Legal Block	3
Legal Lot Number	19
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1054
Census Tract	100300

Owner

650 10th St is owned and occupied by an individual who bought it in October 2014.

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

Owner of Record	Individual Name on File
Mailing Address	650 10TH ST, CLEARWATER, MN 55320-1657
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage WATERSTONE MORTGAGE CORP
Mar 15, 2019	Deed of Trust, Mortgage · Line of Credit CENTRAL MN CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 21, 2014 · Amount on File
Deed Sale	Oct 21, 2014 · Amount on File
Prior Sale	Aug 2, 2011 · Amount on File
Deed Document Number	2014275681
Record Updated	Oct 29, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	650 10TH ST, CLEARWATER, MN 55320-1657
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001457667
Date	Feb 4, 2021
Instrument	1457667

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	650 10TH ST, CLEARWATER, MN 55320-1657
Document Number	0001392729
Instrument Date	Mar 15, 2019
Transaction Type	Mortgage
Record Updated	May 1, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 10TH ST CLEARWATER MN 553201657, CLEARWATER, MN 55320-1657

Mortgage

Document Number	0001392729
Date	Apr 1, 2019
Instrument	1392729

Lender

Name	CENTRAL MN CU
Address	SAINT JOSEP, MN 56734

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	240 Months
Due	Mar 31, 2039

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2026 property tax bill for 650 10th St was $3,914.

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	$3,914.00	$337,800 (+1.62%) Land $61,000 Building $276,800	$337,800 (+1.62%) Land $61,000 Building $276,800
2025		$332,400 Land $61,000 Building $271,400	$332,400 Land $61,000 Building $271,400
2023	$3,612.00 (+10.73%)	$328,300 Land $66,000 Building $262,300	$328,300 Land $66,000 Building $262,300
2022	$3,262.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 650 10th St in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1998.

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

Wildfire risk around 650 10th St is low, with a 0.01% annual chance of 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.

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

Provider	Max Down / Up (Mbps)
Frontier Fiber	7,000 / 7,000
Midco Cable	1,250 / 60

May also be available: Verizon.

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