19028 Co Rd 45, Clearwater, MN 55320 Property Records

Stearns County property record for 19028 Co Rd 45, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,392 sqft · built 1977
Lot Size	5 acres (217,800 sqft)
Owner	Individual Name on Record
Last Sale	$63,500 (Sep 1990)
Tax Bill	$3,210 (2026)
Flood Zone	Zone X (minimal risk)
APN	`19-10273-0000`

Property Details

APN / Parcel Number

Primary APN	`19-10273-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,392 sqft Living Area
Gross Area	1,973 sqft
1st Floor Area	1,008 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	217,800 sqft (5 acres)
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	19028 COUNTY ROAD 45
City	CLEARWATER
State	MN
Zip	55320-1504
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	5.00 A E640.6' OF W2286.24' OF S340' OF SW4 SECTION 06 TOWNSHIP 122 RANGE 027 SECTION 06 TOWNSHIP 122 RANGE 027
Legal Range	27W
Legal Township	122
Legal Section	06
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2061
Census Tract	11202

Owner

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	Individual Name on Record
Mailing Address	19028 COUNTY ROAD 45, CLEARWATER, MN 55320-1504
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 4, 1990 · Amount on Record
Deed Sale	Sep 4, 1990 · Amount on Record
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,210.00 (+12%)	$371,400 (+2.57%) Land $126,800 Building $244,600	$371,400 (+2.57%) Land $126,800 Building $244,600
2025		$362,100 (+5.94%) Land $107,400 Building $254,700	$362,100 (+5.94%) Land $107,400 Building $254,700
2023	$2,866.00	$341,800 Land $105,500 Building $236,300	$341,800 Land $105,500 Building $236,300

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	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

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	0.02% 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 5 locations within half a mile, as of December 31, 2025

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