654 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 654 9th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 944 sqft · built 2004
Lot Size	0.093 acres (4,050 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Sep 2020)
Tax Bill	$2,622 (2026)
Deeds & Mortgages	Aug 2018 Mortgage Sep 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-028-003210`

Property Details

APN / Parcel Number

Primary APN	`104-028-003210`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	944 sqft Living Area
1st Floor Area	944 sqft
Basement Area	884 sqft
Finished Basement	884 sqft
Flooring	Laminate Plank
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	412 sqft
Parking Spaces	2 Parking Spaces
Deck Area	156 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	654 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-021 BLOCK-003
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	3
Legal Lot Number	21
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 shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	654 9TH ST, CLEARWATER, MN 55320-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 2, 2018	Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU
Sep 8, 2020	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2020 · Amount on Record
Deed Sale	Sep 8, 2020 · Amount on Record
Prior Sale	Jun 11, 2014 · Amount on Record
Deed Document Number	20201439415
Record Updated	Oct 29, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	654 9TH ST, CLEARWATER, MN 55320-1645
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	QUARRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001376232
Date	Aug 2, 2018
Instrument	1376232

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2048

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 8, 2020
Property Address	654 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001439415
Instrument Date	Sep 4, 2020
Instrument	1439415
Transaction Type	Transfer
Record Updated	Aug 16, 2022
Title Company	PREFERRED TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	654 9TH ST, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001439416
Date	Sep 8, 2020
Instrument	1439416

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2050

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	$2,622.00 (+9.89%)	$231,600 (-1.82%) Land $25,500 Building $206,100	$231,600 (-1.82%) Land $25,500 Building $206,100
2025		$235,900 (+1.03%) Land $40,500 Building $195,400	$235,900 (+1.03%) Land $40,500 Building $195,400
2023	$2,386.00 (+16.28%)	$233,500 Land $40,500 Building $193,000	$233,500 Land $40,500 Building $193,000
2022	$2,052.00

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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