809 Prospect Ave, Cloquet, MN 55720 Property Records

Carlton County property record for 809 Prospect Ave, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	0.036 acres (1,607 sqft)
Owner	Individual Name on Record
Last Sale	$155,000 (Jun 2026)
Tax Bill	$728 (2026)
Deeds & Mortgages	Sep 2014 Mortgage Jun 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`06-260-0360`

Property Details

APN / Parcel Number

Primary APN	`06-260-0360`
Alternative APN	`3321`

Exterior

Lot Area	1,607 sqft (0.036 acres)

Location & Zoning

Account Number	3321
Street Address	809 PROSPECT AVE
City	CLOQUET
State	MN
Zip	55720-2309
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	E 5.85 FT OF LOT 7 & ALL LOT 6 EX E 85 FT MITCHELLS ADDITION REARR OF BLKS 1 & 4
Legal Subdivision	MITCHELLS ADDITION
Legal Block	1,4
Legal Lot Number	6-7
Jurisdiction	CARLTON MN
Township / Civil Division	CLOQUET
Census Block Group	3
Census Block	3004
Census Tract	70200

Owner

Source: Carlton County records, as of August 24, 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	809 PROSPECT AVE, CLOQUET, MN 55720-2309
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 5, 2014	Deed of Trust, Mortgage · Commercial Mortgage CORNERSTONE STATE BANK
Jun 2, 2026	Warranty Deed, Transfer · Conventional Mortgage NORTH SHORE BANK OF COMMERCE
Jun 18, 2020	Warranty Deed, Transfer · Stand-Alone First Mortgage NORTH SHORE FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2026 · Amount on Record
Deed Sale	Jun 2, 2026 · Amount on Record
Prior Sale	Jun 18, 2020 · Amount on Record
Deed Document Number	2026527068
Record Updated	Oct 29, 2026

September 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	809 PROSPECT AVE, CLOQUET, MN 55720-2309
Transaction Type	Mortgage
Record Updated	Jun 30, 2026
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CO ABSTRACT & TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000458254
Date	Sep 5, 2014
Instrument	A000458254

Lender

Name	CORNERSTONE STATE BANK
Type	Bank
Address	CLOQUET, MN 55720

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 1, 2034

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jun 2, 2026
Property Address	809 PROSPECT AVE, CLOQUET, MN 55720-2309
Document Number	0000527068
Instrument Date	May 29, 2026
Instrument	2026527068
Transaction Type	Transfer
Record Updated	Jun 11, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$51,661.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 PROSPECT AVE, CLOQUET, MN 55720-2309

Mortgage

Document Number	0000527069,
Date	Jun 2, 2026
Instrument	2026527069

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000527070,
Date	Jun 2, 2026
Instrument	2026527070

Lender

Name	NORTH SHORE BANK OF COMMERCE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	10 Months
Due	Jun 1, 2036

Interest

Rate	6.3%
Max Rate	-1%

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Jun 18, 2020
Property Address	809 PROSPECT AVE, CLOQUET, MN 55720-2309
Document Number	A000492128
Instrument Date	Jun 12, 2020
Instrument	A000492128
Transaction Type	Transfer
Record Updated	Apr 22, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	809 PROSPECT AVE, CLOQUET, MN 55720-2309

Mortgage

Document Number	A000492129
Date	Jun 18, 2020
Instrument	A000492129

Lender

Name	NORTH SHORE FEDERAL CREDIT UNION

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

Tax Assessment & Valuation

Source: Carlton County assessment roll, as of April 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
Municipality	Cloquet City
Unified School District	Cloquet Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$728.00 (+10.3%) Homeowner's exemption
2025		$63,300 (+4.46%) Land $5,400 Building $57,900	$63,300 (+4.46%) Land $5,400 Building $57,900
2024	$660.00 Homeowner's exemption	$60,600 (+4.48%) Land $5,400 Building $55,200	$60,600 (+4.48%) Land $5,400 Building $55,200
2023	$660.00 Homeowner's exemption	$58,000 (-) Land $5,400 Building $52,600	$58,000 (-) Land $5,400 Building $52,600
2022		$58,000 Land $5,400 Building $52,600	$58,000 Land $5,400 Building $52,600

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective March 13, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond 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 System	Cloquet serves 12,864 people · EPA ID MN1090005
Water Source	Groundwater
Last State Inspection	Feb 2026
Lead	Under 1 ppb (2024) 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. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 508 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Mediacom Xtream Cable · Fiber in parts of the area	1,000 / 50
Verizon Fixed Wireless	300 / 20

May also be available: Airfiber, AT&T, CenturyLink, CTC.

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