18738 Co Rd 145, Clearwater, MN 55320 Property Records

Stearns County property record for 18738 Co Rd 145, Clearwater, MN 55320

Property Summary

Property Type	Rural Home
Details	4 bd · 1.75 ba · 1,592 sqft · built 1998
Lot Size	4 acres (174,240 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,972 (2026)
Flood Zone	Zone X (minimal risk)
APN	`19-10309-0002`

Property Details

APN / Parcel Number

Primary APN	`19-10309-0002`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,592 sqft Living Area
Gross Area	1,910 sqft
1st Floor Area	1,592 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	174,240 sqft (4 acres)
Garage Area	240 sqft
Parking Spaces	4 Parking Spaces
Gazebo	120 sqft
Pole Barn	2,560 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18738 COUNTY ROAD 145
City	CLEARWATER
State	MN
Zip	55320-1426
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	4.00 A. OF SE4NW4 BEG 400' E OF NW COR - E 457' - S 300' - W 135' - S 60' - S62D W 146' - W 192' - N 428' TO BEG SECTION 09
Legal Range	27W
Legal Township	122
Legal Section	09
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2068
Census Tract	11202

Owner

18738 Co Rd 145, a rural home, is owned and occupied by two individuals who acquired it in November 1997.

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

Owner of Record	2 Individual Names on File
Mailing Address	18738 COUNTY ROAD 145, CLEARWATER, MN 55320-1426
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 13, 1997
Deed Sale	Nov 13, 1997
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 18738 Co Rd 145 was $2,972.

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	Annandale Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,972.00	$480,200 (+11.8%) Land $110,700 Building $369,500	$480,200 (+11.8%) Land $110,700 Building $369,500
2025		$429,500 Land $93,800 Building $335,700	$429,500 Land $93,800 Building $335,700
2023	$2,276.00	$394,300 Land $93,300 Building $301,000	$394,300 Land $93,300 Building $301,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 18738 Co Rd 145 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

Wildfire risk around 18738 Co Rd 145 is low, with 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 67% of the US · above 57% of Minnesota
Wildfire Likelihood	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 14 locations within half a mile, as of December 31, 2025

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