Wright County property record for 945 Main St, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 768 sqft · built 1960 |
| Lot Size | 0.186 acres (8,130 sqft) |
| Owner | Individual Name on File |
| Last Sale | $92,500 (Oct 2020) |
| Tax Bill | $1,462 (2026) |
| Deeds & Mortgages | Oct 2020 Sale & Mortgage Oct 2017 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 104-037-003110 |
| Primary APN | 104-037-003110 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Stories | 1 Story |
| Building Area | 768 sqft Living Area |
| 1st Floor Area | 782 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1960 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Foundation Type | Concrete |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 8,130 sqft (0.186 acres) |
| Garage Type | Mixed |
| Garage Area | 796 sqft |
| Parking Spaces | 3 Parking Spaces |
| Deck Area | 78 sqft |
| Storage Building | 64 sqft |
| Cooling System | Window A/C |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 945 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-011 BLOCK-003 |
| Legal Range | 027 |
| Legal Township | 123 |
| Legal Section | 35 |
| Legal Subdivision | SHADY OAKS |
| Legal Block | 3 |
| Legal Lot Number | 11 |
| Jurisdiction | WRIGHT MN |
| Township / Civil Division | CLEARWATER |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 100300 |
945 Main St is owned and occupied by an individual who bought it in October 2020.
Source: Wright County records, as of July 20, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 945 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 |
|---|---|
| Oct 26, 2020 | Warranty Deed, Transfer · Conventional Mortgage SHERBURNE STATE BANK |
| Oct 31, 2017 | Grant Deed, Transfer PREMIUM TITLE INC |
| Jul 5, 2017 | Affidavit of Death, Transfer DOCUMENT PROCESSING SOLUTIONS |
| Jul 5, 2017 | Deed in Lieu of Foreclosure, Foreclosure NOT AVAILABLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 26, 2020 · Amount on File |
| Deed Sale | Oct 26, 2020 · Amount on File |
| Prior Sale | Oct 31, 2017 · Amount on File |
| Deed Document Number | 20201445252 |
| Prior Transfer Date | Mar 30, 2016 |
| Prior Transfer Doc | 00A1313721 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Oct 26, 2020 |
| Property Address | 945 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001445252 |
| Instrument Date | Oct 14, 2020 |
| Instrument | 1445252 |
| Transaction Type | Transfer |
| Record Updated | Aug 13, 2021 |
| Title Company | TITLE ONE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $305.25 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 945 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001445253 |
|---|---|
| Date | Oct 26, 2020 |
| Instrument | 1445253 |
| Name | SHERBURNE STATE BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2050 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Oct 31, 2017 |
| Property Address | 945 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001357025 |
| Instrument Date | Oct 24, 2017 |
| Instrument | 1357025 |
| Transaction Type | Transfer |
| Record Updated | Dec 8, 2017 |
| Title Company | PREMIUM TITLE INC |
| Amount | Amount on Record |
|---|---|
| Tax | $188.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 161 GLENVIEW LOOP ST CLOUD MN 563034867, ST CLOUD, MN 56303-4867 |
| Document Type | Affidavit of Death |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 5, 2017 |
| Property Address | 945 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001347383 |
| Instrument Date | Jul 5, 2017 |
| Instrument | 1347383 |
| Transaction Type | Transfer |
| Record Updated | Nov 17, 2017 |
| Title Company | DOCUMENT PROCESSING SOLUTIONS |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Deed in Lieu of Foreclosure |
|---|---|
| Jurisdiction | WRIGHT MN |
| Recording Date | Jul 5, 2017 |
| Property Address | 945 MAIN ST, CLEARWATER, MN 55320-2023 |
| Document Number | 0001347384 |
| Instrument Date | Dec 15, 2016 |
| Instrument | 1347384 |
| Transaction Type | Foreclosure |
| Record Updated | Nov 17, 2017 |
| Title Company | NOT AVAILABLE |
| Amount | Amount on Record |
|---|---|
| Tax | $260.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 60 LIVINGSTON AVE ST PAUL MN 551072292, ST PAUL, MN 55107-2292 |
The 2026 property tax bill for 945 Main St was $1,462.
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 | $1,462.00 | $154,800 (+2.99%) Land $21,000 Building $133,800 | $154,800 (+2.99%) Land $21,000 Building $133,800 |
| 2025 | $150,300 Land $21,000 Building $129,300 | $150,300 Land $21,000 Building $129,300 | |
| 2023 | $1,168.00 (+8.55%) | $134,500 Land $21,000 Building $113,500 | $134,500 Land $21,000 Building $113,500 |
| 2022 | $1,076.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 945 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 945 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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