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320 Bluff Street, Clearwater, MN 55320

$255,000

Charming Clearwater home with oversized garage!

Walkout lower level with flag sotne patio.

The yard offers nice privacy with a natural tree buffer.

Open-concept layout with plenty of space.

A truly unique, custom fireplace centerpiece.

Inviting entrance with knotty pine and glass block details.

Walk through bathroom with granite counter, knotty pine & beautiful tiled shower.

Main floor bedroom with a walk in closet.

Check out the catwalk which overlooks the living room.

Here's a bird's-eye view of this incredible fireplace.

Upper-level flex room—perfect for a playroom, gaming zone, or office.

Each side of the flex room has 2 large closets, maximizing every inch of storage.

Lower level lounge with wood buring fireplace/stove.

3/4 lower level bath needs some finishing touches.

Vintage speakeasy peephole for a touch of historic character.

Who do you think has looked through this over the years??

Property Type: Residential Bedrooms: 2 Baths: 2 Square Footage: 2,244 Lot Size (sq. ft.): 15,246 Status: Active

Current Price: $255,000 List Date: 6/02/2026 Last Modified: 6/09/2026

Overview

Description

Old world charm with some modern updates in the heart of Clearwater! This one-of-a-kind home features original hardwood floors, original cabinetry, cool vintage light fixtures, and a custom fireplace. The main floor bedroom offers a walk-through bath with granite countertops, knotty pine walls and a fully tiled shower. On the 2nd floor, you'll find an additional bedroom plus a flex space perfect for an office, gaming area, or whatever fits your lifestyle. Don't miss the eye-catching catwalk that gives a bird’s-eye view of the main floor. The walkout lower level offers a spacious rec room with a cozy wood-burning fireplace, workshop area, and a 3/4 bathroom ready for your finishing touches. Enjoy the huge wraparound deck that extends to the front porch, overlooks the spacious wooded yard and the flag stone patio. Some updated vinyl windows, plus the home features a 2024 furnace and water heater, along with a 2023 roof. The 19x30 garage, built in 2002 per county records, includes ... (Read more)

Listing Details MLS# 7064159

General Property Information

Common Wall: No
Lot Measurement: Acres
Manufactured Home?: No
Multiple PIDs?: No
New Development: No
Number of Fireplaces: 2
Waterfront Present: No
Year Built: 1925
Yearly/Seasonal: Yearly
Zoning: Residential-Single Family
Bath Three Quarters: 2
Main Floor Total SqFt: 780
Above Grd Total SqFt: 1464
Below Grd Total SqFt: 780
Total SqFt: 2244
Total Finished Sqft: 1804.00
FireplaceYN: Yes
Style: (SF) Single Family
Foundation Size: 780
Garage Stalls: 2
Lot Dimensions: 90x173
Acres: 0.35
Assessment Pending: No
Bath Half: 0
Bath Quarter: 0
Association Fee: 0

Property Features

Accessible: None Air Conditioning: Window Unit(s) Amenities Unit: Ceiling Fan(s); Deck; Hardwood Floors; Kitchen Window; Main Floor Primary Bedroom; Natural Woodwork; Patio; Porch; Primary Bedroom Walk-In Closet; Tile Floors; Walk-In Closet Appliances: Cooktop; Dishwasher; Range; Refrigerator Basement: Egress Windows; Full; Sump Pump Bath Description: Primary Walk-Thru; Main Floor 3/4 Bath; 3/4 Basement Construction Status: Previously Owned Dining Room Description: Kitchen/Dining Room Electric: 100 Amp Service Exterior: Other Family Room Characteristics: Lower Level Fencing: Wood Fireplace Characteristics: Free Standing; Wood Burning Foundation: Brick/Mortar Fuel: Natural Gas Heating: Forced Air Laundry: Gas Dryer Hookup; Lower Level Lock Box Type: Combo Lot Description: Tree Coverage - Medium Parking Characteristics: Garage Door Opener Road Frontage: City Street; Paved Streets Roof: Age 8 Years or Less; Asphalt Shingles Sellers Terms: Cash; Conventional Sewer: City Sewer/Connected Special Search: Main Floor Bedroom Stories: One and One Half Water: City Water/Connected

Contract Information

Contingency: Inspection
Original List Price: 255000
ListPrice: 255000
Owner is an Agent?: No
Auction?: No

Location Tax and Other Information

House Number: 320
Street Name: Bluff
Street Suffix: Street
Postal City: Clearwater
County: Wright
State: MN
Zip Code: 55320
Complex/Dev/Subdivision: Original Clearwater

Assessments

Assessment Balance: 1527.53
Tax With Assessments: 2672

Building Information

Finished SqFt Above Ground: 1464
Finished SqFt Below Ground: 340

More Information

Lease Details

Land Leased: Not Applicable

Lock Box Type

Lock Box Source: MAAR
Combo: Yes

Miscellaneous Information

DP Resource: Yes
Homestead: Yes

Ownership

Fractional Ownership: No

Parking Characteristics

Garage Dimensions: 19x30
Garage Door Height: 8
Garage Door Width: 16
Garage Square Feet: 570
Garage Door Opener: Yes

Public Survey Info

Range#: 27
Section#: 35
Township#: 123

Office/Member Info

Association: MAAR

Location, Tax and Other Information

AssocFeeYN: No
Legal Description: SECT-35 TWP-123 RANGE-027 ORIGINAL PLAT CLEARWATER LOT-008 BLOCK-017 LT8BLK17&TH PRT OF LT7LY NW OF LN DRWN SW FR MIDPT OF NELY LN OF SD LT7 TO MIDPT OF SWLY LN OF SD LT7 SD LN H/IN/AF REF TO AS LN A ALSO TH PRT OF VAC WLY1/2OF ALLEY&VAC ELY33FT OF B LUFF ST LY NWLY OF SD LN A &ITS EXTS&LY SELY OF NWLY LN OF SD LT8&ITS EXTS ALSO E33FT OF REMAINING R/W OF VAC BLUFF ST WH LIES ADJ TO ABOVE DES TR
Listing City: Clearwater
Map Page: Yes
Municipality: Clearwater
School District: St. Cloud
School District Phone: 320-253-9333
Zip Plus 4: 404
Property ID Number: 104010017080
Tax Year: 2026
Tax Amount: 2672
In Foreclosure?: No
Potential Short Sale?: No
Lender Owned?: No

Directions & Remarks

Public Remarks: Old world charm with some modern updates in the heart of Clearwater! This one-of-a-kind home features original hardwood floors, original cabinetry, cool vintage light fixtures, and a custom fireplace. The main floor bedroom offers a walk-through bath with granite countertops, knotty pine walls and a fully tiled shower. On the 2nd floor, you'll find an additional bedroom plus a flex space perfect for an office, gaming area, or whatever fits your lifestyle. Don't miss the eye-catching catwalk that gives a bird’s-eye view of the main floor. The walkout lower level offers a spacious rec room with a cozy wood-burning fireplace, workshop area, and a 3/4 bathroom ready for your finishing touches. Enjoy the huge wraparound deck that extends to the front porch, overlooks the spacious wooded yard and the flag stone patio. Some updated vinyl windows, plus the home features a 2024 furnace and water heater, along with a 2023 roof. The 19x30 garage, built in 2002 per county records, includes a concrete driveway with extra parking. Bring your ideas and add your own style to make this space truly yours!
Directions: I94 to Clearwater - N on Hwy 24 - W on Co. Rd. 75 - N on Ash - Left on Bluff - house on right

Accessible

None: Yes

Air Conditioning

Window Unit(s): Yes

Amenities Unit

Ceiling Fan(s): Yes
Deck: Yes
Hardwood Floors: Yes
Kitchen Window: Yes
Main Floor Primary Bedroom: Yes
Natural Woodwork: Yes
Patio: Yes
Porch: Yes
Primary Bedroom Walk-In Closet: Yes
Tile Floors: Yes
Walk-In Closet: Yes

Appliances

Cooktop: Yes
Dishwasher: Yes
Range: Yes
Refrigerator: Yes

Basement

Egress Windows: Yes
Full: Yes
Sump Pump: Yes

Bath Description

Primary Walk-Thru: Yes
Main Floor 3/4 Bath: Yes
3/4 Basement: Yes

Construction Status

Previously Owned: Yes

Dining Room Description

Kitchen/Dining Room: Yes

Electric

100 Amp Service: Yes

Exterior

Other: Yes

Family Room Characteristics

Lower Level: Yes

Fencing

Wood: Yes

Fireplace Characteristics

Free Standing: Yes
Wood Burning: Yes

Foundation

Brick/Mortar: Yes

Fuel

Natural Gas: Yes

Heating

Forced Air: Yes

Insurance Fee

Insurance Fee: 0

Laundry

Gas Dryer Hookup: Yes
Lower Level: Yes

Lot Description

Tree Coverage - Medium: Yes

Patio, Porch and Deck Features

Deck: Yes
Porch: Yes
Wrap Around: Yes

Road Frontage

City Street: Yes
Paved Streets: Yes

Roof

Age 8 Years or Less: Yes
Asphalt Shingles: Yes

Sellers Terms

Cash: Yes
Conventional: Yes

Sewer

City Sewer/Connected: Yes

Special Search

Main Floor Bedroom: Yes

Stories

One and One Half: Yes

Water

City Water/Connected: Yes

Room Information

Room Name	Dimensions	Level
Deck	14x20	Main
Dining Room	6x9	Main
Family Room	15x16	Lower
First (1st) Bedroom	11x12	Main
Flex Room	18x30	Upper
Kitchen	11x11	Main
Living Room	14x14	Main
Second (2nd) Bedroom	9x12	Upper

Listing Office: Edina Realty, Inc.

Last Updated: June - 09 - 2026

The data relating to real estate for sale on this web site comes in part from the Broker Reciprocity SM Program of the Regional Multiple Listing Service of Minnesota, Inc. The information provided is deemed reliable but not guaranteed. Properties subject to prior sale, change or withdrawal. ©2024 Regional Multiple Listing Service of Minnesota, Inc All rights reserved.