Wright County property record for 705 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 1,279 sqft · built 1955 |
| Lot Size | 0.288 acres (12,574 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $204,000 (Jul 2019) |
| Tax Bill | $2,960 (2026) |
| Deeds & Mortgages | Aug 2022 Second Mortgage Jun 2022 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-021010 |
| Primary APN | 104-010-021010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,279 sqft Living Area |
| 1st Floor Area | 1,144 sqft |
| Basement Area | 1,064 sqft |
| Finished Basement | 1,064 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1955 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Wood Shingle |
| Lot Area | 12,574 sqft (0.288 acres) |
| Garage Area | 520 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
|---|---|
| Porch Area | 40 sqft |
| Patio Area | 144 sqft |
| Storage Building | 72 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 705 SPRING ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-001 BLOCK-021 ALSO LT2 & VAC ALLEY LOCK-021 ALSO LT2 & VAC ALLEY |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 21 |
| Legal Lot Number | 1-2 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1029 |
| Census Tract | 100300 |
Source: Wright County assessment roll, 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 File |
|---|---|
| Mailing Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 11, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage TOPLINE FCU |
| Jun 17, 2022 | Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Nov 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage TRUSTONE FINANCIAL FCU |
| Jul 23, 2019 | Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 23, 2019 · Amount on Record |
| Deed Sale | Jul 23, 2019 · Amount on Record |
| Deed Document Number | 20191400908 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Transaction Type | Mortgage |
| Record Updated | Sep 2, 2022 |
| Title Company | CU TITLE SERVICES INC |
| Name | Verified Name |
|---|
| Document Number | 00A1514315 |
|---|---|
| Date | Aug 11, 2022 |
| Instrument | A1514315 |
| Name | TOPLINE FCU |
|---|---|
| Type | Credit Union |
| Address | OSSEO, MN 55369 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Aug 1, 2037 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2022 |
| Title Company | SERVICELINK LOAN MODIFICATIO |
| Name | Verified Name |
|---|---|
| Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Document Number | 00A1510011 |
|---|---|
| Date | Jun 17, 2022 |
| Instrument | A1510011 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Address | MOORPARK, CA 93021 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 341 Months |
| Due | Nov 1, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | ANCONA TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0001447428 |
|---|---|
| Date | Nov 10, 2020 |
| Instrument | 1447428 |
| Name | TRUSTONE FINANCIAL FCU |
|---|---|
| Type | Credit Union |
| Address | MINNEAPOLIS, MN 55447 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 23, 2019 |
| Property Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Document Number | 0001400908 |
| Instrument Date | Jun 27, 2019 |
| Instrument | 1400908 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $673.20 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 705 SPRING ST, CLEARWATER, MN 55320 |
| Document Number | 0001400909 |
|---|---|
| Date | Jul 23, 2019 |
| Instrument | 1400909 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2049 |
Source: Wright County assessment roll, as of July 20, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Clearwater City |
| County | Wright County |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,960.00 (-5.43%) | $253,200 (+5.37%) Land $34,900 Building $218,300 | $253,200 (+5.37%) Land $34,900 Building $218,300 |
| 2025 | $240,300 (-5.95%) Land $31,000 Building $209,300 | $240,300 (-5.95%) Land $31,000 Building $209,300 | |
| 2023 | $3,130.00 (+9.29%) | $255,500 Land $31,000 Building $224,500 | $255,500 Land $31,000 Building $224,500 |
| 2022 | $2,864.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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 | Indirect within ember reach |
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 |
| 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.
Source: FCC Broadband Data Collection, based on 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
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