18987 Co Rd 45, Clearwater, MN 55320 Property Records

Stearns County property record for 18987 Co Rd 45, Clearwater, MN 55320

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,381 sqft · built 1945
Lot Size	21.4 acres (935,233 sqft)
Owner	Individual Name on Record
Last Sale	$95,000 (Sep 2000)
Tax Bill	$3,290 (2026)
Flood Zone	Zone X (minimal risk)
APN	`19-10280-0000`

Property Details

APN / Parcel Number

Primary APN	`19-10280-0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,381 sqft Living Area
Gross Area	1,460 sqft
1st Floor Area	330 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1962
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	935,233 sqft (21.4 acres)
Garage Type	Carport
Carport	Carport
Parking Spaces	1 Parking Space

Exterior Amenities

Shed	1 Shed
Shed Area	1,728 sqft
Granary	720 sqft
Lean-To	328 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	18987 COUNTY ROAD 45
City	CLEARWATER
State	MN
Zip	55320-1503
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	21.47 A. PT OF NW4 BEG AT INT OF CL CO RD 45 & N LN - SWLY ON CL 1936 '- W 321'- N 1894' TO N LN SEC 7- E 706' TO POB, LESS
Legal Range	27W
Legal Township	122
Legal Section	07
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	1
Census Block	1067
Census Tract	11202

Owner

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	18987 COUNTY ROAD 45, CLEARWATER, MN 55320-1503
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 8, 2000 · Amount on Record
Deed Sale	Sep 8, 2000 · Amount on Record
Prior Sale	Dec 15, 1993 · Amount on Record
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$3,290.00 (+2.88%)
2025		$382,600 (+5.11%) Land $193,700 Building $188,900	$382,600 (+5.11%) Land $193,700 Building $188,900
2023	$3,198.00	$364,000 Land $183,100 Building $180,900	$364,000 Land $183,100 Building $180,900

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 1 locations within half a mile, as of December 31, 2025

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