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725 Bluff St, Clearwater, MN 55320 Property Records

Wright County property record for 725 Bluff St, Clearwater, MN 55320

Property Summary

Property TypeSingle Family Home
Details3 bd · 1 ba · 1,032 sqft · built 1979
Lot Size0.445 acres (19,389 sqft)
Owner2 Individual Names on File
Last Sale$145,000 (Mar 2019)
Tax Bill$2,172 (2026)
Deeds & MortgagesMar 2019 Sale
Flood ZoneZone X (minimal risk)
APN104-010-026030

Property Details

APN / Parcel Number

Primary APN104-010-026030

Interior

Bedrooms3 Beds
Full Baths1 Bath
Stories1 Story
Building Area1,032 sqft Living Area
1st Floor Area1,032 sqft
FlooringWood
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1979
Effective Year BuiltEffective 1990
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialWood Shingle
Lot Area19,389 sqft (0.445 acres)

Exterior Amenities

PorchPorch
Porch Area24 sqft
Deck Area80 sqft
Storage Building70 sqft

Utilities, Heating & Cooling

Cooling SystemCentral
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Street Address725 BLUFF ST
CityCLEARWATER
StateMN
Zip55320-2071
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER BLOCK-026 LOTS 3&4 ALSO VAC ALLEY ALSO TH PRT OF VAC BLUFF ST ADJ TO SD LO
Legal Range027
Legal Township123
Legal Section35
Legal SubdivisionORIGINAL PLAT CLEARWATER
Legal Block26
Legal Lot Number3-4
JurisdictionWRIGHT MN
Township / Civil DivisionCLEARWATER
Census Block Group1
Census Block1028
Census Tract100300

Owner

725 Bluff St is owned by two individuals who bought it in March 2019.

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

Owner of Record2 Individual Names on File
Mailing Address115 GOLDFINCH LN, CLEARWATER, MN 55320-2046
Owner TypeIndividual

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

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleMar 29, 2019 · Amount on File
Deed SaleMar 29, 2019 · Amount on File
Prior SaleJun 24, 2014 · Amount on File
Deed Document Number20191392654
Prior Transfer DateOct 31, 2011
Prior Transfer Doc0000006782
Record UpdatedSep 20, 2026

March 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionWRIGHT MN
Recording DateMar 29, 2019
Property Address725 BLUFF ST, CLEARWATER, MN 55320
Document Number0001392654
Instrument DateMar 18, 2019
Instrument1392654
Transaction TypeTransfer
Record UpdatedApr 18, 2019
Title CompanyBURNET TITLE LLC

Transaction

AmountAmount on Record
Tax$478.50
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address13121 HUBER AVE NW ANNANDALE MN 553022811, ANNANDALE, MN 55302-2811

Tax Assessment & Valuation

The 2026 property tax bill for 725 Bluff St was $2,172.

Source: Wright County assessment roll, as of July 20, 2026

Property Jurisdictions

TypeName
StateMinnesota
MunicipalityClearwater City
CountyWright County
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,172.00$192,700 (+8.56%) Land $45,100 Building $147,600$192,700 (+8.56%) Land $45,100 Building $147,600
2025$177,500 Land $36,000 Building $141,500$177,500 Land $36,000 Building $141,500
2023$187,100 Land $36,000 Building $151,100$187,100 Land $36,000 Building $151,100
2022$2,328.00

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

Flood

FEMA maps place 725 Bluff 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 ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies8 in force
Nearby Flood Claims2 (1998–2011)
Claims Outside the SFHA1 of 2
Most Recent ClaimFeb 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 725 Bluff 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 RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.01% annual chance
ExposureIndirect
within 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 SystemClearwater
serves 2,129 people · EPA ID MN1860025
Water SourceGroundwater
Last State InspectionMar 2026
LeadUnder 1 ppb (2021–2023)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 187 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Midco
Cable		1,250 / 60
Verizon
Fixed Wireless		300 / 20

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