Wright County property record for 740 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 5 ba · 1,686 sqft · built 2001 |
| Lot Size | 0.161 acres (7,045 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $161,900 (Jan 2002) |
| Tax Bill | $3,824 (2026) |
| Deeds & Mortgages | Nov 2022 Line of Credit Mar 2018 Line of Credit + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-010-011062 |
| Primary APN | 104-010-011062 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 1,686 sqft Living Area |
| 1st Floor Area | 1,444 sqft |
| Basement Area | 1,000 sqft |
| Finished Basement | 1,000 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2001 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Modular |
| Exterior Material | Stucco |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 7,045 sqft (0.161 acres) |
| Garage Type | Attached |
| Garage Area | 888 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Porch |
| Porch Area | 108 sqft |
| Deck Area | 192 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 740 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-006 BLOCK-011 LOTS 6 &7 BLK 11 EX NWLY 42.34FT OF SD LT7 EX TH PRT OF |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | ORIGINAL PLAT CLEARWATER |
| Legal Block | 11,11 |
| Legal Lot Number | 6-7 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1019 |
| Census Tract | 100300 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 740 SPRING ST, CLEARWATER, MN 55320 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 18, 2022 | Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU |
| Mar 5, 2018 | Deed of Trust, Mortgage · Line of Credit WINGS FINANCIAL CU |
| Nov 20, 2020 | Intrafamily Transfer, Transfer · Conventional Mortgage TRADITION MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 9, 2002 · Amount on Record |
| Deed Sale | Jan 9, 2002 · Amount on Record |
| Deed Document Number | 200276410 |
| Last Transfer Date | Nov 6, 2020 |
| Transfer Doc | 0001448942 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 740 SPRING ST, CLEARWATER, MN 55320 |
| Transaction Type | Mortgage |
| Record Updated | Jan 23, 2023 |
| Name | Verified Name |
|---|---|
| Address | 740 SPRING ST, CLEARWATER, MN 55320 |
| Document Number | 00A1521351 |
|---|---|
| Date | Nov 18, 2022 |
| Instrument | A1521351 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | Nov 17, 2042 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 740 SPRING ST, CLEARWATER, MN 55320 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Name | Verified Name |
|---|
| Document Number | 0001365061 |
|---|---|
| Date | Mar 5, 2018 |
| Instrument | 1365061 |
| Name | WINGS FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Address | SAINT PAUL, MN 55124 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 4, 2033 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 20, 2020 |
| Property Address | 740 SPRING ST, CLEARWATER, MN 55320 |
| Document Number | 0001448942 |
| Instrument Date | Nov 6, 2020 |
| Instrument | 1448942 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | ESQUIRE TITLE SERVICES LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 740 SPRING ST, CLEARWATER, MN 55320 |
| Document Number | 0001448943 |
|---|---|
| Date | Nov 20, 2020 |
| Instrument | 1448943 |
| Name | TRADITION MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Dec 1, 2050 |
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 | $3,824.00 (-0.62%) | $320,900 (+2.43%) Land $22,100 Building $298,800 | $320,900 (+2.43%) Land $22,100 Building $298,800 |
| 2025 | $313,300 (-2.52%) Land $21,000 Building $292,300 | $313,300 (-2.52%) Land $21,000 Building $292,300 | |
| 2023 | $3,848.00 (+13.31%) | $321,400 Land $21,000 Building $300,400 | $321,400 Land $21,000 Building $300,400 |
| 2022 | $3,396.00 |
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 |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| 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 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
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