650 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 650 9th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 944 sqft · built 2004
Lot Size	0.093 acres (4,050 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Aug 2020)
Tax Bill	$2,656 (2026)
Deeds & Mortgages	Jun 2021 Transfer Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-028-003220`

Property Details

APN / Parcel Number

Primary APN	`104-028-003220`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	2 Stories
Building Area	944 sqft Living Area
1st Floor Area	944 sqft
Basement Area	884 sqft
Finished Basement	884 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2005
Architectural Style	Townhouse
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	4,050 sqft (0.093 acres)
Garage Type	Attached
Garage Area	392 sqft
Parking Spaces	1 Parking Space
Deck Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	650 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-022 BLOCK-003
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	3
Legal Lot Number	22
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1056
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	Individual Name on Record
Mailing Address	650 9TH ST, CLEARWATER, MN 55320-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 21, 2021	Transfer on Death Deed, Transfer
Aug 31, 2020	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA
Jan 10, 2017	Grant Deed, Transfer · Conventional with PMI WESTERN ST BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 31, 2020 · Amount on Record
Deed Sale	Aug 31, 2020 · Amount on Record
Prior Sale	Jan 10, 2017 · Amount on Record
Deed Document Number	20201438533
Record Updated	Oct 29, 2026

June 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 21, 2021
Property Address	650 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001474210
Instrument Date	Jun 17, 2021
Instrument	1474210
Transaction Type	Transfer
Record Updated	Aug 15, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Living Trust

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 31, 2020
Property Address	650 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001438533
Instrument Date	Jul 31, 2020
Instrument	1438533
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$534.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	650 9TH ST, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001438534
Date	Aug 31, 2020
Instrument	1438534

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

January 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WRIGHT MN
Recording Date	Jan 10, 2017
Property Address	650 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001334373
Instrument Date	Dec 28, 2016
Instrument	1334373
Transaction Type	Transfer
Record Updated	Feb 23, 2017
Title Company	HOME TITLE CORPORATION, HOME TITLE CORP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.96
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	650 9TH ST CLEARWATER MN 553201645, CLEARWATER, MN 55320-1645

Mortgage

Document Number	1334374
Date	Jan 10, 2017
Instrument	1334374

Lender

Name	WESTERN ST BK
Type	Bank
Address	WEST FARGO, ND 58078

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Jan 9, 2047

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	$2,656.00 (+10.48%)	$234,100 (-1.84%) Land $25,500 Building $208,600	$234,100 (-1.84%) Land $25,500 Building $208,600
2025		$238,500 (+1.06%) Land $40,500 Building $198,000	$238,500 (+1.06%) Land $40,500 Building $198,000
2023	$2,404.00 (+17.27%)	$236,000 Land $40,500 Building $195,500	$236,000 Land $40,500 Building $195,500
2022	$2,050.00

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	None beyond 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 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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