18195 Co Rd 45, Clearwater, MN 55320 Property Records

Stearns County property record for 18195 Co Rd 45, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,052 sqft · built 1985
Lot Size	1.2 acres (52,272 sqft)
Owner	2 Individual Names on Record
Last Sale	$85,000 (May 1996)
Tax Bill	$2,480 (2026)
Flood Zone	Zone X (minimal risk)
APN	`19-10281-0005`

Property Details

APN / Parcel Number

Primary APN	`19-10281-0005`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,052 sqft Living Area
Gross Area	1,468 sqft
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1990
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	52,272 sqft (1.2 acres)
Garage Area	629 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	64 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18195 COUNTY ROAD 45
City	CLEARWATER
State	MN
Zip	55320-1503
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	1.20A OF SW4 BEG ON CL NEW HWY 45 - A DIST OF 971.25' N OF PT 1309.44' E OF SW COR SEC 7 - N ON CL 175' - S88D W 298.91' -
Legal Range	27W
Legal Township	122
Legal Section	07
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	1
Census Block	1068
Census Tract	11202

Owner

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	18195 COUNTY ROAD 45, CLEARWATER, MN 55320-1503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 10, 1996 · Amount on Record
Deed Sale	May 10, 1996 · Amount on Record
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Lynden Township
Unified School District	Kimball Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,480.00 (+1.81%)	$285,500 (+1.24%) Land $72,600 Building $212,900	$285,500 (+1.24%) Land $72,600 Building $212,900
2025		$282,000 (+6.09%) Land $60,900 Building $221,100	$282,000 (+6.09%) Land $60,900 Building $221,100
2023	$2,436.00	$265,800 Land $61,000 Building $204,800	$265,800 Land $61,000 Building $204,800

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	4 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 Risk	Low lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.03% 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 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Co Rd 45

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