Wright County property record for 920 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 5 bd · 2 ba · 1,776 sqft · built 1900 |
| Lot Size | 0.42 acres (18,321 sqft) |
| Owner | Individual Name on File |
| Last Sale | $253,000 (Jul 2021) |
| Tax Bill | $5,966 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Jul 2021 Second Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-037-002010 |
| Primary APN | 104-037-002010 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,776 sqft Living Area |
| 1st Floor Area | 1,344 sqft |
| Flooring | Carpet |
| Year Built | Built 1900 |
|---|---|
| Effective Year Built | Effective 1995 |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 18,321 sqft (0.42 acres) |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Deck Area | 224 sqft |
| Storage Building | 80 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 920 MAIN ST |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-2023 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-123 RANGE-027 SHADY OAKS LOT-001 BLOCK-002 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | SHADY OAKS |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 100300 |
920 Main St is owned and occupied by an individual who bought it in July 2021.
Source: Wright County records, as of September 4, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 920 MAIN ST, CLEARWATER, MN 55320-2023 |
| 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.
| Date | Document |
|---|---|
| Aug 14, 2026 | Deed of Trust, Mortgage · FHA Mortgage COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Jul 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Jul 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 26, 2021 · Amount on File |
| Deed Sale | Jul 26, 2021 · Amount on File |
| Prior Sale | Oct 15, 2015 · Amount on File |
| Deed Document Number | 20211477823 |
| Prior Transfer Date | Apr 17, 2009 |
| Prior Transfer Doc | 0000111120 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Aug 14, 2026 |
| Property Address | 920 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001609987 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 20261609987 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | COVIUS SETTLEMENT SERVICES LLC, COVIUS SETTLEMENT SERVICES |
| Name | Verified Name |
|---|---|
| Address | 920 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001609987, |
|---|---|
| Date | Aug 14, 2026 |
| Instrument | 20261609987 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 300 Months |
| Due | Aug 1, 2051 |
| Max Rate | -1% |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 920 MAIN ST, CLEARWATER, MN 55320-2023 |
| Transaction Type | Mortgage |
| Record Updated | Aug 18, 2021 |
| Title Company | ANCONA TITLE, ANCONA TITLE AND ESCROW |
| Name | Verified Name |
|---|
| Document Number | 0001477825 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 1477825 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 121 Months |
| Due | Aug 1, 2031 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 26, 2021 |
| Property Address | 920 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001477823 |
| Instrument Date | Jul 12, 2021 |
| Instrument | 1477823 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2021 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $834.90 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 920 MAINS TREET, CLEARWATER, MN 55320-2023 |
| Document Number | 0001477824 |
|---|---|
| Date | Jul 26, 2021 |
| Instrument | 1477824 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Aug 1, 2051 |
The 2026 property tax bill for 920 Main St was $5,966.
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 | $5,966.00 | $275,300 (+6.46%) Land $31,000 Building $244,300 | $275,300 (+6.46%) Land $31,000 Building $244,300 |
| 2025 | $258,600 Land $31,000 Building $227,600 | $258,600 Land $31,000 Building $227,600 | |
| 2023 | $3,074.00 (+91.41%) | $257,800 Land $31,000 Building $226,800 | $257,800 Land $31,000 Building $226,800 |
| 2022 | $1,606.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 920 Main 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 920 Main 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 95% of the US · lower than 84% 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.
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 |
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