695 9th St, Clearwater, MN 55320 Property Records

Wright County property record for 695 9th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,003 sqft · built 2003
Lot Size	0.192 acres (8,397 sqft)
Owner	2 Individual Names on File
Last Sale	$192,000 (Sep 2020)
Tax Bill	$2,964 (2026)
Deeds & Mortgages	Jun 2020 Mortgage Sep 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`104-028-004010`

Property Details

APN / Parcel Number

Primary APN	`104-028-004010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	3 Stories
Building Area	1,003 sqft Living Area
1st Floor Area	1,003 sqft
Basement Area	978 sqft
Finished Basement	978 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2006
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable
Roof Material	Asphalt
Lot Area	8,397 sqft (0.192 acres)
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	21 sqft
Patio Area	145 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	695 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-001 BLOCK-004
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH
Legal Block	4
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1055
Census Tract	100300

Owner

695 9th St is owned and occupied by two individuals who bought it in September 2020.

Source: Wright County records, as of July 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	695 9TH ST, CLEARWATER, MN 55320-1645
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage LIBERTY BANK MINNESOTA
Sep 22, 2020	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Jun 9, 2017	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BK MN
Jun 16, 2017	Quit Claim Deed, Transfer OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, STEAMS CNTY ABS & TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 22, 2020 · Amount on File
Deed Sale	Sep 22, 2020 · Amount on File
Prior Sale	May 13, 2008 · Amount on File
Deed Document Number	20201441094
Prior Transfer Date	Jun 9, 2017
Prior Transfer Doc	0001345891
Record Updated	Oct 29, 2026

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	695 9TH ST, CLEARWATER, MN 55320-1645
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001428186
Date	Jun 2, 2020
Instrument	1428186

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	MONTICELLO, MN 55362

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	70 Months
Due	Apr 1, 2026

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Sep 22, 2020
Property Address	695 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001441094
Instrument Date	Sep 18, 2020
Instrument	1441094
Transaction Type	Transfer
Record Updated	Aug 13, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$633.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	695 9TH ST, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001441095
Date	Sep 22, 2020
Instrument	1441095

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

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

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	695 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001345892
Instrument Date	Jun 9, 2017
Transaction Type	Mortgage
Record Updated	Jan 11, 2019
Title Company	STEARNS COUNTY ABSTRACT COMPANY, STEARNS CNTY ABSTRACT CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 9TH ST CLEARWATER MN 553201645, CLEARWATER, MN 55320-1645

Mortgage

Document Number	0001345892
Date	Jun 16, 2017
Instrument	1345892

Lender

Name	LIBERTY BK MN
Address	111 7TH AVE S, ST CLOUD, MN 56301-4696

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 15, 2047

June 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	WRIGHT MN
Recording Date	Jun 16, 2017
Property Address	695 9TH ST, CLEARWATER, MN 55320-1645
Document Number	0001345891
Instrument Date	Jun 9, 2017
Instrument	1345891
Transaction Type	Transfer
Record Updated	Nov 20, 2017
Title Company	OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, STEAMS CNTY ABS & TITLE CO

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	695 9TH ST CLEARWATER MN 553201645, CLEARWATER, MN 55320-1645

Tax Assessment & Valuation

The 2026 property tax bill for 695 9th St was $2,964.

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	$2,964.00	$268,300 (+2.6%) Land $61,000 Building $207,300	$268,300 (+2.6%) Land $61,000 Building $207,300
2025		$261,500 Land $61,000 Building $200,500	$261,500 Land $61,000 Building $200,500
2023	$2,888.00 (+19.83%)	$262,200 Land $66,000 Building $196,200	$262,200 Land $66,000 Building $196,200
2022	$2,410.00

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

Flood

FEMA maps place 695 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 695 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.

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