Wright County property record for 930 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 912 sqft · built 1959 |
| Lot Size | 0.137 acres (6,000 sqft) |
| Owner | Individual Name on File |
| Last Sale | $180,000 (Sep 2025) |
| Tax Bill | $1,458 (2026) |
| Deeds & Mortgages | Nov 2022 Mortgage Sep 2025 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-037-002020 |
| Primary APN | 104-037-002020 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 912 sqft Living Area |
| 1st Floor Area | 912 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 2010 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable |
| Roof Material | Wood Shingle |
| Lot Area | 6,000 sqft (0.137 acres) |
| Garage Area | 180 sqft |
| Parking Spaces | 2 Parking Spaces |
| Porch | Porch |
| Porch Area | 56 sqft |
| Storage Building | 96 sqft |
| Cooling System | Wall Unit |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 930 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-002 BLOCK-002 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | SHADY OAKS |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 100300 |
930 Main St is owned and occupied by an individual who bought it in September 2025.
Source: Wright County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 930 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 |
|---|---|
| Nov 30, 2022 | Deed of Trust, Mortgage · Conventional Mortgage LAKE CENTRAL BANK |
| Sep 25, 2025 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC |
| Nov 8, 2021 | Deed, Construction Loan · Construction Mortgage LAKE CENTRAL BANK |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2025 · Amount on File |
| Deed Sale | Sep 25, 2025 · Amount on File |
| Prior Sale | Nov 8, 2021 · Amount on File |
| Deed Document Number | 20251586147 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | WRIGHT MN |
| Property Address | 930 MAIN ST, CLEARWATER, MN 55320-2023 |
| Transaction Type | Mortgage |
| Record Updated | Apr 3, 2026 |
| Title Company | CENTRAL LAND TITLE, CENTRAL LAND TTL GUARANTEE C |
| Name | Verified Name |
|---|
| Document Number | 00A1521843 |
|---|---|
| Date | Nov 30, 2022 |
| Instrument | A1521843 |
| Name | LAKE CENTRAL BANK |
|---|---|
| Type | Bank |
| Address | ANNANDALE, MN 55302 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Dec 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Sep 25, 2025 |
| Property Address | 930 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 00A1586147 |
| Instrument Date | Sep 25, 2025 |
| Instrument | A1586147 |
| Transaction Type | Transfer |
| Record Updated | Apr 3, 2026 |
| Title Company | OTTAWA COUNTY ABSTRACT AND TITLE COMPANY, STEAMS CNTY ABSTRACT & TTL C |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $594.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 930 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 00A1586148 |
|---|---|
| Date | Sep 25, 2025 |
| Instrument | A1586148 |
| Name | HOMEOWNERS FINANCIAL GROUP USA LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Oct 1, 2055 |
| Document Type | Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Nov 8, 2021 |
| Property Address | 930 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001489794 |
| Instrument Date | Nov 3, 2021 |
| Instrument | 1489794 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 11, 2023 |
| Title Company | RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL |
| Amount | Amount on Record |
|---|---|
| Tax | $148.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 930 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001489795 |
|---|---|
| Date | Nov 8, 2021 |
| Instrument | 1489795 |
| Name | LAKE CENTRAL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 12 Months |
| Due | Nov 3, 2022 |
The 2026 property tax bill for 930 Main St was $1,458, down 0.4% from the year before.
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 | $1,458.00 (-0.41%) | $175,400 (+16.93%) Land $21,000 Building $154,400 | $175,400 (+16.93%) Land $21,000 Building $154,400 |
| 2025 | $1,464.00 | $150,000 Land $21,000 Building $129,000 | $150,000 Land $21,000 Building $129,000 |
| 2023 | $1,132.00 (+14.11%) | $156,800 (+41.13%) Land $21,000 Building $135,800 | $156,800 (+41.13%) Land $21,000 Building $135,800 |
| 2022 | $992.00 Homeowner's exemption | $111,100 Land $16,000 Building $95,100 | $111,100 Land $16,000 Building $95,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 930 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 930 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 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 |
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