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18046 Co Rd 45, Clearwater, MN 55320 Property Records

Stearns County property record for 18046 Co Rd 45, Clearwater, MN 55320

Property Summary

Property TypeRural Home
Details3 bd · 1 ba · 1,370 sqft · built 1996
Lot Size154 acres (6,711,725 sqft)
Owner2 Individual Names on Record
Tax Bill$4,124 (2026)
Flood ZoneZone X (minimal risk)
APN19-10352-0000

Property Details

APN / Parcel Number

Primary APN19-10352-0000

Interior

Bedrooms3 Beds
Full Baths1 Bath
Total Rooms6 Rooms
Stories1 Story
Building Area1,370 sqft Living Area
Gross Area1,719 sqft
1st Floor Area1,066 sqft
FlooringCarpet
Interior WallsWallboard/Drywall

Exterior

Year BuiltBuilt 1996
Effective Year BuiltEffective 1996
Architectural StyleRanch
Exterior MaterialAluminum/Vinyl
Construction TypeFrame
Roof TypeGable/Hip
Roof MaterialAsphalt
Lot Area6,711,725 sqft (154 acres)
Garage Area1,248 sqft
Parking Spaces5 Parking Spaces

Exterior Amenities

Shed1 Shed
Shed Area720 sqft
Granary416 sqft
Pole Barn432 sqft

Utilities, Heating & Cooling

Cooling SystemWall Unit
Heating SystemFloor/Wall Furnace

Location & Zoning

Street Address18046 COUNTY ROAD 45
CityCLEARWATER
StateMN
Zip55320-1503
Property CategoryResidential
Property TypeResidential > Single Family > Rural Home
Local Zoning CodeRPMKT
Legal Description154.08 A. NW4 LESS .78 A. SECTION 18 TOWNSHIP 122 RANGE 027 SECTION 18 TOWNSHIP 122 RANGE 027
Legal Range27W
Legal Township122
Legal Section18
JurisdictionSTEARNS MN
Township / Civil DivisionLYNDEN
Census Block Group2
Census Block2067
Census Tract11202

Owner

Source: Stearns County records, as of July 30, 2026

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

Owner of Record2 Individual Names on Record
Mailing Address18046 COUNTY ROAD 45, CLEARWATER, MN 55320-1503
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleJun 19, 1996
Deed SaleJun 19, 1996
Prior SaleSep 14, 1992
Record UpdatedSep 20, 2026

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyStearns County
County SubdivisionLynden Township
Unified School DistrictAnnandale Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$4,124.00 (+30.01%)$1,314,200 (+12.24%) Land $1,088,300 Building $225,900$1,314,200 (+12.24%) Land $1,088,300 Building $225,900
2025$1,170,900 (+8.91%) Land $944,500 Building $226,400$1,170,900 (+8.91%) Land $944,500 Building $226,400
2023$3,172.00$1,075,100 Land $865,500 Building $209,600$1,075,100 Land $865,500 Building $209,600

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 September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies6 in force

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.03% annual chance
ExposureIndirect
within ember reach
Adjoins Burnable LandYes

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

ProviderMax Down / Up (Mbps)
Midco
Fiber		5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

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