955 Reponen Rd, Cloquet, MN 55720 Property Records

Carlton County property record for 955 Reponen Rd, Cloquet, MN 55720

Property Summary

Property Type	Single Family Home
Lot Size	4 acres (174,240 sqft)
Owner	Individual Name on Record
Last Sale	$275,000 (May 2025)
Tax Bill	$5,264 (2026)
Deeds & Mortgages	Jun 2018 Mortgage Apr 2013 Mortgage + 6 more
Flood Zone	Zone X (minimal risk)
APN	`92-010-4806`

Property Details

APN / Parcel Number

Primary APN	`92-010-4806`
Alternative APN	`34430`

Exterior

Lot Area	174,240 sqft (4 acres)

Location & Zoning

Account Number	34430
Street Address	955 REPONEN RD
City	CLOQUET
State	MN
Zip	55720-3365
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	S 4 ACRES OF E 13 1/3 ACRES OF S1/2 OF E1/2 TOWN OF PERCH LAKE
Legal Range	18
Legal Township	49
Legal Section	25
Legal Subdivision	TOWN OF PERCH LAKE
Jurisdiction	CARLTON MN
Township / Civil Division	PERCH LAKE
Census Block Group	2
Census Block	2016
Census Tract	940000

Owner

Source: Carlton County records, as of April 24, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2018	Deed of Trust, Mortgage · FHA Mortgage USA HOUSING AND URBAN DEVELOPMENT
Apr 4, 2013	Deed of Trust, Mortgage · FHA Mortgage RESIDENTIAL FINANCE CORP
May 21, 2014	Deed of Trust, Mortgage NORTHWOODS CU
May 18, 2006	Deed of Trust, Mortgage · ARM NEW CENTURY MORTGAGE CORP
Dec 10, 2019	Warranty Deed, Transfer · FHA Mortgage US BANK NA
Nov 18, 2010	Warranty Deed, Transfer · FHA Mortgage RESCUE MORTGAGE INC DBA MORTGAGE DEPOT
Feb 21, 2008	Joint Tenancy Deed, Transfer · Conventional Mortgage SUNTRUST MORTGAGE INC
Apr 3, 2007	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 14, 2025 · Amount on Record
Deed Sale	May 14, 2025 · Amount on Record
Prior Sale	Dec 10, 2019 · Amount on Record
Deed Document Number	2025521371
Prior Transfer Date	Jun 30, 2010
Prior Transfer Doc	0000434264
Record Updated	Sep 20, 2026

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000480698
Date	Jun 15, 2018
Instrument	A000480698

Lender

Name	USA HOUSING AND URBAN DEVELOPMENT

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

April 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	MEY MAX TITLE AGENCY, MEYMAX TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000449757
Date	Apr 4, 2013
Instrument	A000449757

Lender

Name	RESIDENTIAL FINANCE CORP
Type	Funding / Finance Company
Address	COLUMBUS, OH 43219

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2043

May 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Transaction Type	Mortgage
Record Updated	Apr 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000456443
Date	May 21, 2014
Instrument	A000456443

Lender

Name	NORTHWOODS CU
Type	Credit Union
Address	CLOQUET, MN 55720

Agreement

Amount	Amount Recorded
Term	119 Months
Due	Apr 25, 2024

May 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CARLTON MN
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Transaction Type	Mortgage
Record Updated	Apr 24, 2026
Title Company	STATE LOUIS COUNTY TITLE COMPANY, ST LOUIS COUNTY TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	A000401570
Date	May 18, 2006
Instrument	A000401570

Lender

Name	NEW CENTURY MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2036

Interest

Rate Type	Adjustable Rate

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Dec 10, 2019
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Document Number	A000489542
Instrument Date	Dec 4, 2019
Instrument	A000489542
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 REPONEN RD, CLOQUET, MN 55720-3365

Mortgage

Document Number	A000489543
Date	Dec 10, 2019
Instrument	A000489543

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Jan 1, 2051

November 2010: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CARLTON MN
Recording Date	Nov 18, 2010
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Document Number	A000434264
Instrument Date	Jun 30, 2010
Instrument	A000434264
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	ST LOUIS COUNTY TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	955 REPONEN RD, CLOQUET, MN 55720-3365

Mortgage

Document Number	A000434265
Date	Nov 18, 2010
Instrument	A000434265

Lender

Name	RESCUE MORTGAGE INC DBA MORTGAGE DEPOT
Address	MINNEAPOLIS, MN 55420

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	356 Months
Due	Jul 1, 2040

February 2008: Joint Tenancy Deed, Transfer

Document Type	Joint Tenancy Deed
Jurisdiction	CARLTON MN
Recording Date	Feb 21, 2008
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Document Number	A000415641
Instrument Date	Jan 18, 2008
Instrument	A000415641
Transaction Type	Transfer
Record Updated	Apr 24, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	955 REPONEN RD, CLOQUET, MN 55720-3365

Mortgage

Document Number	A000415642
Date	Feb 21, 2008
Instrument	A000415642

Lender

Name	SUNTRUST MORTGAGE INC
Type	Mortgage Company
Address	RICHMOND, VA 23224

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2038

April 2007: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	CARLTON MN
Recording Date	Apr 3, 2007
Property Address	955 REPONEN RD, CLOQUET, MN 55720-3365
Document Number	A000408765
Instrument Date	Apr 3, 2007
Instrument	A000408765
Transaction Type	Foreclosure
Record Updated	Apr 24, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7105 CORPORATE DR, PLANO, TX 75024-4100
Mail Care Of	COUNTRYWIDE HOME LOANS INC

Tax Assessment & Valuation

Source: Carlton County assessment roll, as of April 24, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Carlton County
County Subdivision	Perch Lake Township
Unified School District	Cloquet Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,264.00 (+1.78%) Homeowner's exemption
2025		$377,200 (+0.13%) Land $65,800 Building $311,400	$377,200 (+0.13%) Land $65,800 Building $311,400
2024	$5,172.00 Homeowner's exemption	$376,700 (+4.38%) Land $65,800 Building $310,900	$376,700 (+4.38%) Land $65,800 Building $310,900
2023	$5,172.00 Homeowner's exemption	$360,900 (-) Land $61,700 Building $299,200	$360,900 (-) Land $61,700 Building $299,200
2022		$360,900 Land $61,700 Building $299,200	$360,900 Land $61,700 Building $299,200

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 13, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.02% 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

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