Wright County property record for 840 Spring St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 5 ba · 1,615 sqft · built 2004 |
| Lot Size | 0.654 acres (28,491 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $4,412 (2026) |
| Deeds & Mortgages | May 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-037-003021 |
| Primary APN | 104-037-003021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,615 sqft Living Area |
| 1st Floor Area | 1,583 sqft |
| Basement Area | 1,273 sqft |
| Finished Basement | 1,273 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2005 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 28,491 sqft (0.654 acres) |
| Garage Type | Attached |
| Garage Area | 1,277 sqft |
| Parking Spaces | 5 Parking Spaces |
| Porch | Porch |
| Porch Area | 32 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 840 SPRING ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2037 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 SHADY OAKS BLOCK-003 TH PRT OF LT2 BLK3 LY SELY OF FOL DES LN COM NE COR OF SE OF SW TH N89D3640W A |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | SHADY OAKS |
| Legal Block | 3,3 |
| Legal Lot Number | 2 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 100300 |
840 Spring St is owned and occupied by an individual.
Source: Wright County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 840 SPRING ST, CLEARWATER, MN 55320-2037 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | May 27, 2026 |
| Property Address | 840 SPRING ST, CLEARWATER, MN 55320-2037 |
| Document Number | 0001603524 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20261603524 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 840 SPRING ST, CLEARWATER, MN 55320-2037 |
| Document Number | 0001603524, |
|---|---|
| Date | May 27, 2026 |
| Instrument | 20261603524 |
| Name | STATE CLOUD FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | Apr 24, 2036 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.22% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 840 Spring St was $4,412.
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 | $4,412.00 | $345,100 (+2.89%) Land $40,000 Building $305,100 | $345,100 (+2.89%) Land $40,000 Building $305,100 |
| 2025 | $335,400 Land $40,000 Building $295,400 | $335,400 Land $40,000 Building $295,400 | |
| 2023 | $4,208.00 (+3.75%) | $334,600 Land $40,000 Building $294,600 | $334,600 Land $40,000 Building $294,600 |
| 2022 | $4,056.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 840 Spring St in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
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.
Wildfire risk around 840 Spring 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 Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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 198 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 2,000 / 350 |
| Verizon Fixed Wireless | 300 / 20 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures