684 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 684 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 File
Last Sale	$240,000 (Aug 2026)
Tax Bill	$1,513 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2020 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-028-003150`

Property Details

APN / Parcel Number

Primary APN	`104-028-003150`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	2 Stories
Building Area	944 sqft Living Area
1st Floor Area	944 sqft
Basement Area	644 sqft
Finished Basement	644 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	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	684 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-015 BLOCK-003
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	3
Legal Lot Number	15
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1056
Census Tract	100300

Owner

684 9th St is owned and occupied by an individual who bought it in August 2026.

Source: Wright County records, as of October 15, 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 File
Mailing Address	684 9TH ST, CLEARWATER, MN 55320-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Warranty Deed, Transfer · Conventional Mortgage PRIME LENDING
Oct 15, 2020	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 29, 2017	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BK
Jul 3, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2026 · Amount on File
Deed Sale	Aug 7, 2026 · Amount on File
Prior Sale	Jul 3, 2017 · Amount on File
Deed Document Number	20261609460
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 7, 2026
Property Address	684 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001609460
Instrument Date	Aug 3, 2026
Instrument	20261609460
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	ATLAS ABSTRACT AND TITLE INC, ATLAS ABSTRACT & TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$79,992.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 9TH ST, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001609461,
Date	Aug 7, 2026
Instrument	20261609461

Lender

Name	PRIME LENDING

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	684 9TH ST, CLEARWATER, MN 55320-1645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	CAMBRIA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001444089
Date	Oct 15, 2020
Instrument	1444089

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2050

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	684 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001347235
Instrument Date	Jun 29, 2017
Transaction Type	Mortgage
Record Updated	Sep 29, 2020
Title Company	OTHER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 9TH ST CLEARWATER MN 553201645, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001347235
Date	Jul 3, 2017
Instrument	1347235

Lender

Name	WELLS FARGO BK
Type	Bank
Address	MINNEAPOLIS, MN 55467

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jul 2, 2047

Interest

Rate Type	Adjustable Rate

July 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Jul 3, 2017
Property Address	684 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001347233
Instrument Date	Jun 29, 2017
Instrument	1347233
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$455.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	684 9TH ST, CLEARWATER, MN 55320-1645

Tax Assessment & Valuation

The 2026 property tax bill for 684 9th St was $1,513.

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	$1,513.00	$226,700 (-1.18%) Land $25,500 Building $201,200	$226,700 (-1.18%) Land $25,500 Building $201,200
2025		$229,400 Land $40,500 Building $188,900	$229,400 Land $40,500 Building $188,900
2023	$2,658.00 (+16.27%)	$228,500 Land $40,500 Building $188,000	$228,500 Land $40,500 Building $188,000
2022	$2,286.00

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

Flood

FEMA maps place 684 9th 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 684 9th 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	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.

Nearby Properties on 9th St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures