720 10th St, Clearwater, MN 55320 Property Records

Wright County property record for 720 10th St, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,394 sqft · built 2005
Lot Size	0.377 acres (16,450 sqft)
Owner	2 Individual Names on File
Last Sale	$243,000 (Aug 2018)
Tax Bill	$4,058 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`104-038-001020`

Property Details

APN / Parcel Number

Primary APN	`104-038-001020`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	1,394 sqft Living Area
1st Floor Area	1,106 sqft
Basement Area	1,008 sqft
Finished Basement	1,008 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2006
Architectural Style	Dome
Exterior Material	Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Wood Shingle
Lot Area	16,450 sqft (0.377 acres)
Garage Type	Attached
Garage Area	1,036 sqft
Parking Spaces	4 Parking Spaces

Exterior Amenities

Porch	Porch
Porch Area	112 sqft
Deck Area	294 sqft
Storage Building	120 sqft

Utilities, Heating & Cooling

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

Location & Zoning

Street Address	720 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-002 BLOCK-001 -001
Legal Range	027
Legal Township	122
Legal Section	02
Legal Subdivision	CEDAR SOUTH 3RD ADDN
Legal Block	1
Legal Lot Number	2
Jurisdiction	WRIGHT MN
Township / Civil Division	CLEARWATER
Census Block Group	1
Census Block	1048
Census Tract	100300

Owner

720 10th St is owned and occupied by two individuals who bought it in August 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	720 10TH ST, CLEARWATER, MN 55320-4575
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
Apr 19, 2022	Deed of Trust, Mortgage · Conventional Mortgage LOANDEPOT.COM LLC
Aug 6, 2018	Warranty Deed, Transfer CENTRAL LAND TITLE GURANTEE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2018 · Amount on File
Deed Sale	Aug 6, 2018 · Amount on File
Prior Sale	Nov 26, 2008 · Amount on File
Deed Document Number	20181376530
Record Updated	Oct 29, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	WRIGHT MN
Property Address	720 10TH ST, CLEARWATER, MN 55320-4575
Transaction Type	Mortgage
Record Updated	Aug 16, 2022
Title Company	PILLAR TITLE SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	00A1504484
Date	Apr 19, 2022
Instrument	A1504484

Lender

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

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	May 1, 2052

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	WRIGHT MN
Recording Date	Aug 6, 2018
Property Address	720 10TH ST, CLEARWATER, MN 55320-4575
Document Number	0001376530
Instrument Date	Jul 31, 2018
Instrument	1376530
Transaction Type	Transfer
Record Updated	Feb 6, 2021
Title Company	CENTRAL LAND TITLE GURANTEE

Transaction

Amount	Amount on Record
Tax	$801.90
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	720 10TH ST, CLEARWATER, MN 55320-4575

Tax Assessment & Valuation

The 2026 property tax bill for 720 10th St was $4,058.

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	$4,058.00	$351,300 (+1.53%) Land $61,000 Building $290,300	$351,300 (+1.53%) Land $61,000 Building $290,300
2025		$346,000 Land $61,000 Building $285,000	$346,000 Land $61,000 Building $285,000
2023	$3,814.00 (+8.41%)	$353,500 Land $66,000 Building $287,500	$353,500 Land $66,000 Building $287,500
2022	$3,518.00

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

Flood

FEMA maps place 720 10th 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 720 10th St is low, with a 0.02% 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	0.02% 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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