Stearns County property record for 18539 Dover Rd, Clearwater, MN 55320
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 1 bd · 2 ba · 1,286 sqft · built 1970 |
| Lot Size | 0.415 acres (18,060 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $226,500 (Aug 2006) |
| Tax Bill | $2,906 (2026) |
| Deeds & Mortgages | May 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10755-0000 |
| Primary APN | 19-10755-0000 |
|---|
| Bedrooms | 1 Bed |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 2 Half Baths |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,286 sqft Living Area |
| Gross Area | 300 sqft |
| 1st Floor Area | 770 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1978 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 18,060 sqft (0.415 acres) |
| Lot Dimensions | 215 ft deep x 84 ft wide |
| Shed | 1 Shed |
|---|---|
| Shed Area | 63 sqft |
| Boat House | 154 sqft |
| Total Buildings | 2 Buildings |
| Cooling System | None |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 18539 DOVER RD |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1538 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Legal Description | LOT 007 LUMLEY ADD SECTION 08 TOWNSHIP 122 RANGE 027 SECTION 08 TOWNSHIP 122 RANGE 027 |
| Legal Range | 27W |
| Legal Township | 122 |
| Legal Section | 08 |
| Legal Subdivision | LUMLEY ADD |
| Legal Lot Number | 7 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | LYNDEN |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 11202 |
18539 Dover Rd, a residential property, is owned by two individuals who acquired it in May 2026.
Source: Stearns County records, as of June 5, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1044 28TH AVE N, SAINT CLOUD, MN 56303-2326 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 10, 2006 · Amount on File |
| Deed Sale | Aug 10, 2006 · Amount on File |
| Prior Sale | Nov 9, 2004 · Amount on File |
| Last Transfer Date | May 5, 2026 |
| Transfer Doc | 0001713315 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | May 19, 2026 |
| Property Address | 18539 DOVER RD, CLEARWATER, MN 55320-1538 |
| Document Number | 0001713315 |
| Instrument Date | May 5, 2026 |
| Instrument | 20261713315 |
| Transaction Type | Transfer |
| Record Updated | Aug 29, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 18539 Dover Rd was $2,906.
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| County Subdivision | Lynden Township |
| Unified School District | Annandale Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,906.00 | ||
| 2025 | $357,700 Land $157,100 Building $200,600 | $357,700 Land $157,100 Building $200,600 | |
| 2023 | $2,528.00 | $303,800 Land $141,500 Building $162,300 | $303,800 Land $141,500 Building $162,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 18539 Dover Rd in Zone X, an area of minimal flood risk.
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 | 6 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 risk around 18539 Dover Rd is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.8% of the US · lower than 99.4% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 45 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Fiber | 5,000 / 5,000 |
5G (outdoors only) and 4G LTE
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