Stearns County property record for 18643 Dover Rd, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.25 ba · 1,650 sqft · built 1992 |
| Lot Size | 1.76 acres (76,666 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $347,500 (Apr 2015) |
| Tax Bill | $5,544 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10765-0036 |
| Primary APN | 19-10765-0036 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 10 Rooms |
| Stories | 1 Story |
| Building Area | 1,650 sqft Living Area |
| Gross Area | 2,250 sqft |
| 1st Floor Area | 1,500 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Ranch |
| Exterior Material | Concrete |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 76,666 sqft (1.76 acres) |
| Lot Dimensions | 376 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 18643 DOVER RD |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1573 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 011 BLK 002 LUMLEYS LONG LAKE ESTATES SECTION 08 TOWNSHIP 122 RANGE 027 SECTION 08 TOWNSHIP 122 RANGE 027 |
| Legal Range | 27W |
| Legal Township | 122 |
| Legal Section | 08 |
| Legal Subdivision | LUMLEYS LONG LAKE ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | LYNDEN |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 11202 |
Source: Stearns County records, as of April 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 18643 DOVER RD, CLEARWATER, MN 55320-1573 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 30, 2015 · Amount on Record |
| Deed Sale | Apr 30, 2015 · Amount on Record |
| Prior Sale | Oct 5, 1992 |
| Record Updated | Jun 8, 2026 |
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 | $5,544.00 (+26.86%) | ||
| 2025 | $604,500 (+16.79%) Land $219,400 Building $385,100 | $604,500 (+16.79%) Land $219,400 Building $385,100 | |
| 2023 | $4,370.00 | $517,600 Land $197,400 Building $320,200 | $517,600 Land $197,400 Building $320,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 60% 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.
Source: FCC Broadband Data Collection, based on 16 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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