710 10th St, Clearwater, MN 55320 Property Records

Wright County property record for 710 10th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,294 sqft · built 2014
Lot Size	0.38 acres (16,559 sqft)
Owner	2 Individual Names on Record
Last Sale	$197,000 (Oct 2014)
Tax Bill	$3,632 (2026)
Deeds & Mortgages	Apr 2023 Mortgage Aug 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`104-038-001010`

Property Details

APN / Parcel Number

Primary APN	`104-038-001010`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,294 sqft Living Area
1st Floor Area	1,294 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2015
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Asphalt
Lot Area	16,559 sqft (0.38 acres)
Garage Type	Attached
Garage Area	744 sqft
Parking Spaces	3 Parking Spaces
Deck Area	Deck Area

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	710 10TH ST
City	CLEARWATER
State	MN
Zip	55320-4575
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-02 TWP-122 RANGE-027 CEDAR SOUTH 3RD ADDN LOT-001 BLOCK-001 -001
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 3RD ADDN
Legal Block	1
Legal Lot Number	1
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1048
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	710 10TH ST, CLEARWATER, MN 55320-4575
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2023	Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU
Aug 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage ST CLOUD FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 7, 2014 · Amount on Record
Deed Sale	Oct 7, 2014 · Amount on Record
Prior Sale	Jul 22, 2014 · Amount on Record
Deed Document Number	2014126181
Last Transfer Date	Aug 11, 2021
Transfer Doc	0001481624
Record Updated	Sep 20, 2026

April 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	710 10TH ST, CLEARWATER, MN 55320-4575
Transaction Type	Mortgage
Record Updated	May 12, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1528632
Date	Apr 10, 2023
Instrument	A1528632

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 7, 2038

August 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	WRIGHT MN
Recording Date	Aug 25, 2021
Property Address	710 10TH ST, CLEARWATER, MN 55320-4575
Document Number	0001481624
Instrument Date	Aug 11, 2021
Instrument	1481624
Transaction Type	Transfer
Record Updated	Oct 4, 2021
Title Company	ANCONA TITLE, ANCONA TITLE AND ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	710 10TH ST, CLEARWATER, MN 55320-4575

Mortgage

Document Number	0001481625
Date	Aug 25, 2021
Instrument	1481625

Lender

Name	ST CLOUD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Sep 1, 2036

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	$3,632.00 (+8.61%)	$320,600 (+2.17%) Land $61,500 Building $259,100	$320,600 (+2.17%) Land $61,500 Building $259,100
2025		$313,800 (-0.48%) Land $61,500 Building $252,300	$313,800 (-0.48%) Land $61,500 Building $252,300
2023	$3,344.00 (+1.09%)	$315,300 Land $66,500 Building $248,800	$315,300 Land $66,500 Building $248,800
2022	$3,308.00

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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