1905 Clearwater Rd, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1905 Clearwater Rd, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,146 sqft · built 1938
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Jun 2024)
Tax Bill	$2,564 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Aug 2026 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-44174-0010`

Property Details

APN / Parcel Number

Primary APN	`82-44174-0010`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,146 sqft Living Area
1st Floor Area	764 sqft

Exterior

Year Built	Built 1938
Effective Year Built	Effective 1938
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Width	116 ft Width
Garage Area	308 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	1905 CLEARWATER RD
City	SAINT CLOUD
State	MN
Zip	56301-5817
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	THAT PART OF LOT 13 LYING E OF A LN DRAWN FROM PT ON N LN 151.5' W OF NE COR TO PT ON S LN 151.5' W OF SE COR ATWOOD ACRES
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	ATWOOD ACRES
Legal Block	1
Legal Lot Number	13
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1048
Census Tract	301

Owner

Source: Stearns County records, as of August 28, 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	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage REDEVELOPMENT AUTH
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage REDEVELOPMENT AUTH
Feb 22, 2024	Affidavit, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2024 · Amount on Record
Deed Sale	Jun 5, 2024 · Amount on Record
Deed Document Number	20241656835
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Aug 5, 2026
Property Address	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817
Document Number	0000047196
Instrument Date	Jul 16, 2026
Instrument	202647196
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817

Mortgage

Document Number	0000047196,
Date	Aug 5, 2026
Instrument	202647196

Lender

Name	REDEVELOPMENT AUTH

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Aug 5, 2026
Property Address	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817
Document Number	0000047194
Instrument Date	Jul 16, 2026
Instrument	202647194
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817

Mortgage

Document Number	0000047194,
Date	Aug 5, 2026
Instrument	202647194

Lender

Name	REDEVELOPMENT AUTH

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Max Rate	-1%

February 2024: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	STEARNS MN
Recording Date	Feb 22, 2024
Property Address	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817
Document Number	0000T45800
Instrument Date	Jan 29, 2024
Instrument	T45800
Transaction Type	Transfer
Record Updated	Mar 21, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1905 CLEARWATER RD, SAINT CLOUD, MN 56301-5817

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,564.00 (+31,95%)	$182,000 (+5.57%) Land $35,000 Building $147,000	$182,000 (+5.57%) Land $35,000 Building $147,000
2025		$172,400 (+1.59%) Land $35,000 Building $137,400	$172,400 (+1.59%) Land $35,000 Building $137,400
2023	$8.00	$169,700 Land $35,000 Building $134,700	$169,700 Land $35,000 Building $134,700

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	1 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Saint Cloud serves 71,321 people · EPA ID MN1730027
Water Source	Surface water
Last State Inspection	Aug 2025
Lead	3 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Xtratyme Technologies.

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