18813 Co Rd 145, Clearwater, MN 55320 Property Records

Stearns County property record for 18813 Co Rd 145, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.25 ba · 1,920 sqft · built 1974
Lot Size	5.01 acres (218,236 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,632 (2026)
Flood Zone	Zone X (minimal risk)
APN	`19-10297-0000`

Property Details

APN / Parcel Number

Primary APN	`19-10297-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.25 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,920 sqft Living Area
Gross Area	2,157 sqft
1st Floor Area	1,136 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1978
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	218,236 sqft (5.01 acres)
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18813 COUNTY ROAD 145
City	CLEARWATER
State	MN
Zip	55320-7517
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.01 A. S650' OF E335.54' OF NE4NE4 SECTION 09 TOWNSHIP 122 RANGE 027 SECTION 09 TOWNSHIP 122 RANGE 027
Legal Range	27W
Legal Township	122
Legal Section	09
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2045
Census Tract	11202

Owner

18813 Co Rd 145 is owned and occupied by two individuals.

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 File
Mailing Address	18813 COUNTY ROAD 145, CLEARWATER, MN 55320-7517
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 18813 Co Rd 145 was $2,632.

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	$2,632.00	$322,400 (+4.51%) Land $126,900 Building $195,500	$322,400 (+4.51%) Land $126,900 Building $195,500
2025		$308,500 Land $107,500 Building $201,000	$308,500 Land $107,500 Building $201,000
2023	$2,344.00	$299,000 Land $105,600 Building $193,400	$299,000 Land $105,600 Building $193,400

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

Flood

FEMA maps place 18813 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 18813 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 96% of the US · lower than 86% 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 42 locations within half a mile, as of December 31, 2025

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