$309,400
SOLD JUL 2, 2025

245 Bluff St Clearwater, MN 55320

3 Beds
2 Baths
1,858 Sq Ft
9,583 Sq Ft Lot

Recently Sold

$167 Per Sq Ft

21 Days on Market

Highlights

  • Deck
  • The kitchen features windows
  • Walk-In Closet
  • No HOA
  • 2 Car Attached Garage
  • 1-minute walk to Spring Street Park

About This Home

As of July 2025

Charming 3 bedroom , split-level home with a fenced in backyard! Welcome to this 3-bedroom, 2-full bathroom home built in 2004, offering a functional layout and great bones for your personal touch. Located in an established neighborhood, this home features a nice sized living room, bright dining room and practical kitchen with a breakfast bar. The finished lower level of this home provides ample sunlight, a roomy gathering place with a separate space idea for working from home, another full bathroom and massive primary and walk-in closet. The heated attached garage is furnished with a work bench and plenty of attractive cabinets and storage. The freshly spruced mulch beds welcome you and make way to the fenced in backyard which includes a useful storage shed. This well maintained home is set near parks, walking paths, the Mississippi River and many Clearwater amenities.

Last Agent to Sell the Property

Jenna Potter

Oak Realty LLP Listed on: 05/08/2025

Last Buyer's Agent

Adam Canton

Keller Williams Premier Realty

Keller Williams Premier Realty

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $2,526

Year Built

  • Built in 2004

Lot Details

  • 9,714 Sq Ft Lot
  • Lot Dimensions are 65x150
  • Chain Link Fence
  • Few Trees

Parking

  • 2 Car Attached Garage
  • Heated Garage
  • Insulated Garage

Home Design

  • Bi-Level Home
  • Vinyl Siding

Interior Spaces

  • Entrance Foyer
  • Family Room
  • Living Room
  • Dining Room

Kitchen

  • Range
  • Microwave
  • Dishwasher
  • The kitchen features windows

Bedrooms and Bathrooms

  • 3 Bedrooms
  • Walk-In Closet
  • 2 Full Bathrooms

Laundry

  • Dryer
  • Washer

Finished Basement

  • Basement Fills Entire Space Under The House
  • Natural lighting in basement

Utilities

  • Forced Air Heating and Cooling System
  • Water Softener is Owned

Additional Features

  • Air Exchanger
  • Deck

Community Details

  • No Home Owners Association
  • Clearwater Bluff Estates 2Nd A Subdivision

Listing and Financial Details

  • Assessor Parcel Number 104035001040

Home Details

Home Type

Single Family

Est. Annual Taxes

$2,526

Year Built

Built in 2004

Lot Details

9,714 Sq Ft Lot

Parking

2

Listing Details

  • Type: Residential
  • Property Subtype 1: Single Family Residence
  • Cooling System: Central Air
  • Garage Spaces: 2
  • Accessibility Features: None
  • Water Source: City Water/Connected
  • Year Built: 2004
  • Above Grade Finished Sq Ft: 946
  • Unit Levels: Split Entry (Bi-Level)
  • New Construction: No
  • FractionalOwnershipYN: No
  • Rental License?: No
  • Special Features: VirtualTour
  • Property Sub Type: Detached

Interior Features

  • Basement: Daylight/Lookout Windows, Finished, Full
  • Appliances: Air-To-Air Exchanger, Dishwasher, Dryer, Microwave, Range, Refrigerator, Washer, Water Softener Owned
  • Living Area: 1858
  • Fireplace: No
  • Below Grade Finished Sq Ft: 912
  • Basement YN: Yes
  • Dining Room Type: Living Room, Dining Room, Family Room, Kitchen, Bedroom 1, Bedroom 2, Bedroom 3, Deck, Foyer, Walk In Closet

Beds/Baths

  • Full Bathrooms: 2
  • Total Bedrooms: 3

Exterior Features

  • Roof: Age 8 Years or Less, Asphalt
  • Fencing: Chain Link
  • ConstructionMaterialsDesc: Block
  • PatioPorchType: Deck

Garage/Parking

  • Parking Features: Attached Garage, Asphalt, Heated Garage, Insulated Garage

Utilities

  • Heating: Forced Air
  • Sewer: City Sewer/Connected
  • Electric: Circuit Breakers
  • Fuel: Natural Gas

Condo/Co-op/Association

  • Association: No
  • Amenities Unit: Ceiling Fan(s),Deck,Kitchen Window,Natural Woodwork,Walk-In Closet

Schools

  • Junior High Dist: St. Cloud
  • SchoolDistrictPhone: 320-253-9333

Lot Info

  • PropertyAttachedYN: No
  • Lot Size: 65x150
  • Lot Size Sq Ft: 9713.88
  • Land Lease: No
  • Lot Features: Some Trees
  • Additional Parcels: No
  • Zoning Description: Residential-Single Family
  • AssessmentPending: No
  • Yearly/Seasonal: Yearly

Building Info

  • Construction Materials: Brick/Stone, Vinyl Siding

Tax Info

  • Tax Year: 2025
  • Assessor Parcel Number: 104035001040
  • Tax Annual Amount: 2526
  • TaxWithAssessments: 2526.0000

Ownership History

Date Name Owned For Owner Type

Purchase Details

Listed on
May 8, 2025
Closed on
Jul 2, 2025
Sold by
Ross Darren E and Ross Alysia E
Bought by
Field Ashleigh and Field Blake Christopher
Seller's Agent
Jenna Potter
Oak Realty LLP
Buyer's Agent
Adam Canton
Keller Williams Premier Realty
List Price
$309,900
Sold Price
$309,400
Premium/Discount to List
-$500
-0.16%
Views
33
Current Estimated Value
$300,015

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Estimated Appreciation
-$9,385
Avg. Annual Appreciation
-5.22%
Original Mortgage
$231,975
Outstanding Balance
$231,389
Interest Rate
6.89%
Mortgage Type
New Conventional
Estimated Equity
$66,298

Purchase Details

Closed on
Jul 8, 2016
Sold by
Wandersee James James
Bought by
Ross Darren Darren

Home Financials for this Owner

Home Financials are based on the most recent Mortgage that was taken out on this home.
Original Mortgage
$133,600
Interest Rate
3.41%

Purchase Details

Closed on
Oct 18, 2004
Sold by
Cary Pietrzak Builders Inc
Bought by
Wandersee Megan M

Purchase Details

Closed on
Apr 12, 2004
Sold by
Globe Development Inc
Bought by
Cary Pietrzak Builders Inc
Source: Public Records

Range of Values:

--
Value Increase
--
Percent Increase
--
Adjusted for Inflation
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Average Value
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List Price
Sold Price
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Purchase History

Date Type Sale Price Title Company
Warranty Deed $309,300 First Financial Title
Deed $167,000 --
Warranty Deed -- --
Warranty Deed $83,800 --
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $231,975 New Conventional
Previous Owner $133,600 No Value Available
Source: Public Records

Property History

Date Event Price List to Sale Price per Sq Ft
07/02/2025 07/02/25 Sold $309,400 -0.2% $167 / Sq Ft
05/29/2025 05/29/25 Pending -- -- --
05/08/2025 05/08/25 For Sale $309,900 -- $167 / Sq Ft
Source: NorthstarMLS

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $2,526 $238,300 $26,000 $212,300
2024 $2,850 $231,200 $26,000 $205,200
2023 $3,012 $258,300 $26,000 $232,300
2022 $2,874 $240,400 $21,000 $219,400
2021 $2,706 $210,000 $21,000 $189,000
2020 $2,692 $199,500 $21,000 $178,500
2019 $2,404 $192,200 $0 $0
2018 $2,262 $153,800 $0 $0
2017 $1,662 $143,900 $0 $0
2016 $1,784 $0 $0 $0
2015 $1,456 $0 $0 $0
2014 -- $0 $0 $0
Source: Public Records

Agents Affiliated with this Home

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Map

Source: NorthstarMLS

MLS Number: 6716767

NorthstarMLS

APN: 104-035-001040

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