685 10th St, Clearwater, MN 55320 Property Records

Wright County property record for 685 10th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,317 sqft · built 2018
Lot Size	0.125 acres (5,449 sqft)
Owner	2 Individual Names on Record
Last Sale	$226,496 (May 2018)
Tax Bill	$1,588 (2026)
Deeds & Mortgages	Jul 2019 Mortgage Sep 2020 Mortgage + 5 more
Flood Zone	Zone X (minimal risk)
APN	`104-032-006030`

Property Details

APN / Parcel Number

Primary APN	`104-032-006030`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,317 sqft Living Area
1st Floor Area	1,317 sqft
Basement Area	196 sqft
Finished Basement	196 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2019
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Wood Shingle
Lot Area	5,449 sqft (0.125 acres)
Garage Type	Attached
Garage Area	670 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	685 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-003 BLOCK-006 TH PRT OF LT 3 WH LIES WITHIN SW1/4 OF SW1/4 -006 TH PRT OF
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 2ND ADDN
Legal Block	6
Legal Lot Number	3
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1072
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	2 Individual Names on Record
Mailing Address	685 10TH ST, CLEARWATER, MN 55320-1657
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 23, 2019	Deed of Trust, Mortgage · VA Mortgage THE FEDERAL SAVINGS BANK
Sep 15, 2020	Deed of Trust, Mortgage · VA Mortgage AMERICAN FINANCIAL NETWORK INC
May 27, 2021	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE CORP
Jun 14, 2022	Deed of Trust, Mortgage · VA Mortgage LOANDEPOT.COM LLC
May 29, 2018	Warranty Deed, Subdivision Related Transfer COMMUNITY TITLE & ESCROW
May 29, 2018	Warranty Deed, Transfer COMMUNITY TITLE, COMMUNITY TITLE & ESCROW INC
Dec 22, 2017	Grant Deed, Transfer PREFERRED TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 29, 2018 · Amount on Record
Deed Sale	May 29, 2018 · Amount on Record
Prior Sale	May 29, 2018 · Amount on Record
Deed Document Number	20181371021
Record Updated	Sep 20, 2026

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	SOLIDIFI TITLE & CLOSING LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001400900
Date	Jul 23, 2019
Instrument	1400900

Lender

Name	THE FEDERAL SAVINGS BANK
Type	Bank
Address	CHICAGO, IL 60607

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	TRANSTAR NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001440208
Date	Sep 15, 2020
Instrument	1440208

Lender

Name	AMERICAN FINANCIAL NETWORK INC
Type	Funding / Finance Company
Address	BREA, CA 92821

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Aug 1, 2050

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001471677
Date	May 27, 2021
Instrument	1471677

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1509692
Date	Jun 14, 2022
Instrument	A1509692

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	FOOTHILL RANCH, CA 92610

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2052

May 2018: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 29, 2018
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Document Number	0001371021
Instrument Date	May 12, 2018
Instrument	1371021
Transaction Type	Subdivision Related Transfer
Record Updated	Feb 6, 2021
Title Company	COMMUNITY TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$747.44
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	685 10TH ST, CLEARWATER, MN 55320-1657

May 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	May 29, 2018
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Document Number	0001371020
Instrument Date	Apr 12, 2018
Instrument	1371020
Transaction Type	Transfer
Record Updated	Jun 21, 2018
Title Company	COMMUNITY TITLE, COMMUNITY TITLE & ESCROW INC

Transaction

Amount	Amount Recorded
Tax	$82.17
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17207 198TH AVE NW BIG LAKE MN 553094684, BIG LAKE, MN 55309-4684
Investor	Possibly a Property Investor

December 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WRIGHT MN
Recording Date	Dec 22, 2017
Property Address	685 10TH ST, CLEARWATER, MN 55320-1657
Document Number	0001360785
Instrument Date	Dec 14, 2017
Instrument	1360785
Transaction Type	Transfer
Record Updated	Jan 22, 2018
Title Company	PREFERRED TITLE

Transaction

Amount	Amount Recorded
Tax	$459.69
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	17207 198TH AVE NW BIG LAKE MN 553094684, BIG LAKE, MN 55309-4684

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	$1,588.00 (+30.38%)	$287,200 (+3.09%) Land $22,000 Building $265,200	$287,200 (+3.09%) Land $22,000 Building $265,200
2025		$278,600 (-0.54%) Land $22,000 Building $256,600	$278,600 (-0.54%) Land $22,000 Building $256,600
2023	$1,218.00 (+17.57%)	$280,100 Land $23,800 Building $256,300	$280,100 Land $23,800 Building $256,300
2022	$1,036.00

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	0.02% 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 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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