8650 Pine Dr, Cloquet, MN 55720 Property Records

St. Louis County property record for 8650 Pine Dr, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,408 sqft · built 1989
Lot Size	34.6 acres (1,507,612 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,278 (2026)
Deeds & Mortgages	Feb 2022 Mortgage Mar 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`535-0010-05592`

Property Details

APN / Parcel Number

Primary APN	`535-0010-05592`
Alternative APN	`524584`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	2 Rooms
Stories	1 Story
Building Area	1,408 sqft Gross Area
1st Floor Area	1,408 sqft
Basement Area	1,132 sqft
Finished Basement	1,132 sqft

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1989
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Lot Area	1,507,612 sqft (34.6 acres)
Garage Area	1,344 sqft

Exterior Amenities

Porch	Slab
Porch Area	24 sqft
Deck Area	40 sqft
Gazebo	174 sqft
Sauna	Sauna

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Central
Heating Fuel	Propane

Location & Zoning

Account Number	524584
Street Address	8650 PINE DR
City	CLOQUET
State	MN
Zip	55720-9371
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	FAM
Legal Description	N 760 FT OF W 1980 FT OF N1/2 OF NW1/4 SERIAL #
Legal Range	18W
Legal Township	50N
Legal Section	35
Legal Subdivision	STONEY BROOK TOWN OF
Jurisdiction	ST LOUIS MN
Township / Civil Division	STONEY BROOK
Census Block Group	3
Census Block	3057
Census Tract	11200

Owner

Source: St. Louis County records, as of August 17, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	8650 PINE DR, CLOQUET, MN 55720-9371
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 24, 2022	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU
Mar 27, 2018	Deed of Trust, Mortgage · Conventional Mortgage MEMBERS COOPERATIVE CU

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	8650 PINE DR, CLOQUET, MN 55720-9371
Transaction Type	Mortgage
Record Updated	Mar 11, 2022
Title Company	CARLTON COUNTY ABSTRACT AND TITLE, CARLTON CNTY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001438048
Date	Feb 24, 2022
Instrument	1438048

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55816

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2037

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST LOUIS MN
Property Address	8650 PINE DR, CLOQUET, MN 55720-9371
Document Number	00A1330755
Instrument Date	Mar 27, 2018
Transaction Type	Mortgage
Record Updated	Apr 30, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	8650 PINE DR CLOQUET MN 557209371, CLOQUET, MN 55720-9371

Mortgage

Document Number	00A1330755
Date	Apr 10, 2018
Instrument	A1330755

Lender

Name	MEMBERS COOPERATIVE CU
Type	Credit Union
Address	DULUTH, MN 55807

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Apr 9, 2033

Tax Assessment & Valuation

Source: St. Louis County assessment roll, as of August 17, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	St. Louis County
County Subdivision	Stoney Brook Township
Unified School District	St. Louis County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,278.00 (+9.62%) Homeowner's exemption
2025	$2,078.00 (-1.24%) Homeowner's exemption	$328,200 (+6.39%) Land $64,900 Building $263,300	$328,200 (+6.39%) Land $64,900 Building $263,300
2024	$2,104.00	$308,500 (+17.84%) Land $64,900 Building $243,600	$308,500 (+17.84%) Land $64,900 Building $243,600
2022		$261,800 Land $60,300 Building $201,500	$261,800 Land $60,300 Building $201,500

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

Flood

Source: FEMA National Flood Hazard Layer, effective March 24, 2025 · 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 Claims	4 (2010–2024)
Most Recent Claim	Jun 2024 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2024 · 3 claims

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

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	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Fond du Lac Communications Fiber	1,000 / 1,000

Cell Coverage

4G LTE (outdoors only), no 5G reported

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