685 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 685 9th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,090 sqft · built 2005
Lot Size	0.151 acres (6,600 sqft)
Owner	Individual Name on Record
Last Sale	$124,000 (Jan 2014)
Tax Bill	$3,364 (2026)
Deeds & Mortgages	Mar 2017 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-028-004020`

Property Details

APN / Parcel Number

Primary APN	`104-028-004020`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,090 sqft Living Area
1st Floor Area	1,090 sqft
Basement Area	960 sqft
Finished Basement	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
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	6,600 sqft (0.151 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces
Deck Area	200 sqft
Storage Building	64 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	685 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-002 BLOCK-004
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	4
Legal Lot Number	2
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	685 9TH ST, CLEARWATER, MN 55320-1645
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 22, 2014 · Amount on Record
Deed Sale	Jan 22, 2014 · Amount on Record
Prior Sale	May 6, 2005 · Amount on Record
Deed Document Number	2014123806
Record Updated	Oct 29, 2026

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Mar 9, 2017
Property Address	685 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001338460
Instrument Date	Feb 28, 2017
Instrument	1338460
Transaction Type	Transfer
Record Updated	Jun 14, 2017
Title Company	METRO LEGAL SERVICES, METRO LEGAL SVCS

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$594.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	685 9TH ST CLEARWATER MN 553201645, CLEARWATER, MN 55320-1645

Mortgage

Document Number	1338461
Date	Mar 9, 2017
Instrument	1338461

Lender

Name	MARKETPLACE HM MTG
Type	Mortgage Company
Address	EDINA, MN 55435

Agreement

Type	Conventional with PMI
Amount	Amount Recorded
Term	360 Months
Due	Mar 8, 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	$3,364.00 (+4.08%)	$305,800 (+4.94%) Land $61,000 Building $244,800	$305,800 (+4.94%) Land $61,000 Building $244,800
2025		$291,400 (-1.82%) Land $61,000 Building $230,400	$291,400 (-1.82%) Land $61,000 Building $230,400
2023	$3,232.00 (+10.23%)	$296,800 Land $66,000 Building $230,800	$296,800 Land $66,000 Building $230,800
2022	$2,932.00

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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