665 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 665 9th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,090 sqft · built 2004
Lot Size	0.2 acres (8,743 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (Jun 2022)
Tax Bill	$2,410 (2022)
Deeds & Mortgages	Jul 2022 Sale & Mortgage May 2018 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`104-028-004080`

Property Details

APN / Parcel Number

Primary APN	`104-028-004080`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,090 sqft Living Area
1st Floor Area	1,090 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2007
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,743 sqft (0.2 acres)
Garage Type	Attached
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces
Deck Area	144 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	665 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-008 BLOCK-004
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	4
Legal Lot Number	8
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1055
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	665 9TH ST, CLEARWATER, MN 55320-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 5, 2022	Warranty Deed, Transfer · VA Mortgage GOLDWATER BANK NA
May 4, 2018	Deed of Trust, Mortgage · Line of Credit MIDCOUNTRY BANK
Nov 6, 2020	Loan Modification, Mortgage · Conventional Mortgage MIDCOUNTRY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 13, 2022 · Amount on Record
Deed Sale	Jun 13, 2022 · Amount on Record
Prior Sale	Jun 2, 2009 · Amount on Record
Deed Document Number	20221430900
Record Updated	Oct 29, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 5, 2022
Property Address	665 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001511189
Instrument Date	Jun 13, 2022
Instrument	1511189
Transaction Type	Transfer
Record Updated	Aug 4, 2022
Title Company	CLEAR TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$907.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 9TH ST, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001511190
Date	Jul 5, 2022
Instrument	1511190

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	665 9TH ST, CLEARWATER, MN 55320-1645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001369435
Date	May 4, 2018
Instrument	1369435

Lender

Name	MIDCOUNTRY BANK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	298 Months
Due	Mar 26, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	WRIGHT MN
Property Address	665 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001448543
Instrument Date	Nov 6, 2020
Transaction Type	Mortgage
Record Updated	Dec 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	665 9TH ST CLEARWATER MN 553201645, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001448543
Date	Nov 18, 2020
Instrument	1448543

Lender

Name	MIDCOUNTRY BK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Nov 17, 2045

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		$292,300 (+2.49%) Land $61,000 Building $231,300	$292,300 (+2.49%) Land $61,000 Building $231,300
2023		$285,200 Land $66,000 Building $219,200	$285,200 Land $66,000 Building $219,200
2022	$2,410.00

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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