Skip to content
Skip to content
TopHapOpen in map
Single Family ResidenceResidential
$225,377$194 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 85How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Aug 30, 2026
Last sold for $250,000 on Apr 19, 2021

645 MAIN ST

CLEARWATER, MN 55320
4
Beds
2
Baths
1,160 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.23 ac
Lot SizeThe size of the land the home sits on, from county records.
2003
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
2
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$225K
$192K low$259K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$250,000 · Apr 19, 2021

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,040 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$278,900 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$30,900
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$248,000
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$269,300
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$278,900

Climate Risk

Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Dome
CountyWRIGHT
Effective Year BuiltAn adjusted build year that accounts for condition and major remodels. A big renovation can make a home count as newer than it is.2010
Lot (acres)The size of the land the home sits on, from county records.0.23
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Porch · 48 ft²

Transaction History(4)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Clearview Elementary SchoolB-
Elementary · Grades PK–5 · 2.3 mi
H
Tech High SchoolD+
High · Grades 9–12 · 10.3 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 10.7 mi

District: St. Cloud Area School District

Neighborhood · ZIP 55320These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.147
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.5,923
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.111 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,385
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,607
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

Owner Tools

Do you own this home?
Claim this home

Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

645 Main St measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Worth less than 83% of homes in Wright County
  • Costs less per square foot than 66% of homes in Clearwater 55320
  • Smaller than 73% of homes in Wright County
  • Has a smaller lot than 86% of homes in Clearwater 55320
  • Newer than 73% of homes in Clearwater 55320

What homes are worth in Clearwater 55320

Each bar is how many homes fall in that price range. The marker is this home.

This home
$123K$820K

This home is worth more than 22% of homes in Clearwater 55320.

How it measures up in Clearwater 55320

The dot is this home. The mark in the middle is the typical home in Clearwater 55320.

Estimated value$225,377
CheaperTypical $305,000Pricier

Pricier than 22% of homes nearby

Price per ft²$194
CheaperTypical $220Pricier

Pricier than 34% of homes nearby

Living area1,160 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 31% of homes nearby

Lot size0.23 ac
SmallerTypical 1.68 acBigger

Bigger than 14% of homes nearby

Year built2003
OlderTypical 1993Newer

Newer than 73% of homes nearby

How 645 Main St ranks against every home in each area.
MeasureThis homeClearwater 55320Wright County
Estimated valuepricier than$225,37722% of homes17% of homes
Price per ft²pricier than$19434% of homes38% of homes
Living areabigger than1,160 ft²31% of homes27% of homes
Lot sizebigger than0.23 ac14% of homes23% of homes
Year builtnewer than200373% of homes66% of homes

About 645 Main St

How much is 645 Main St, Clearwater, MN worth?

The TopHap Estimate for 645 Main St, Clearwater, MN is $225,377 as of Aug 30, 2026. The likely range is $191,875 to $258,879. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 645 Main St, Clearwater, MN last sell?

645 Main St, Clearwater, MN last sold on Apr 19, 2021 for $250,000, according to the county's recorded deed. TopHap holds 3 recorded sales for this parcel.

How big is 645 Main St, Clearwater, MN?

645 Main St, Clearwater, MN has 4 bedrooms, 2 bathrooms, 1,160 square feet of living space and a 0.23-acre lot.

When was 645 Main St, Clearwater, MN built?

645 Main St, Clearwater, MN was built in 2003, making it 23 years old. It is a dome home. The building has 1 story.

What schools serve 645 Main St, Clearwater, MN?

645 Main St, Clearwater, MN is assigned to Clearview Elementary School (elementary), rated B-; Tech High School (high), rated D+; South Junior High School (middle), rated D+. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 645 Main St, Clearwater, MN compare to other homes in Clearwater 55320?

Among the 2,073 homes in Clearwater 55320, it is worth more than 22% of them ($225,377 against a typical $305,000), its price per square foot is higher than 34% of them ($194 against a typical $220), it is bigger than 31% of them (1,160 ft² against a typical 1,392 ft²), its lot is bigger than 14% of them (0.23 ac against a typical 1.68 ac) and it is newer than 73% of them (2003 against a typical 1993). Measured against all of Wright County, it is worth more than 17% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 645 Main St, Clearwater, MN?

The 2026 property tax bill for 645 Main St, Clearwater, MN was $3,040. The county assessed it at $278,900.

More homes on Main St

Closest homes

More homes in Clearwater 55320

Assigned schools

Explore the area

See this home in context

Open 645 Main St on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map