19482 Two Rivers Rd, Avon, MN 56310 Property Records

Stearns County property record for 19482 Two Rivers Rd, Avon, MN 56310

Property Summary

Property Type	Seasonal / Vacation Home
Details	2 bd · 1 ba · 920 sqft · built 1973
Lot Size	0.461 acres (20,100 sqft)
Owner	Company Name on Record
Last Sale	$275,000 (Jun 2022)
Tax Bill	$2,452 (2026)
Deeds & Mortgages	May 2026 Construction Loan Sep 2022 Sale
Flood Zone	Zone A (high risk)
APN	`13-07801-0000`

Property Details

APN / Parcel Number

Primary APN	`13-07801-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	920 sqft Living Area
1st Floor Area	920 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1976
Architectural Style	Rustic
Exterior Material	Wood
Construction Type	Masonry / Concrete Block
Roof Type	Gable/Hip
Roof Material	Rolled Roofing
Lot Area	20,100 sqft (0.461 acres)
Lot Dimensions	201 ft deep x 100 ft wide
Garage Type	Detached
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	192 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C

Location & Zoning

Street Address	19482 TWO RIVERS RD
City	AVON
State	MN
Zip	56310
Property Category	Residential
Property Type	Residential > Specialized > Seasonal / Vacation Home
Legal Description	LOT 008 BLK 001 BLONIGEN'S ADD PLAT 2 TO HOLDING TWP SECTION 31 TOWNSHIP 126 RANGE 030 SECTION 31 TOWNSHIP 126 RANGE 030
Legal Range	30W
Legal Township	126
Legal Section	31
Legal Subdivision	BLONIGENS ADD PLAT 2 TO HOLDING TWP
Legal Block	1
Legal Lot Number	8
Jurisdiction	STEARNS MN
Township / Civil Division	HOLDING
Census Block Group	2
Census Block	2057
Census Tract	10403

Owner

Source: Stearns County records, as of May 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	2277 197TH ST E, CLEARWATER, MN 55320-1658
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
May 5, 2026	Deed of Trust, Mortgage · Construction Mortgage HARVEST BANK
Sep 9, 2022	Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 24, 2022 · Amount on Record
Deed Sale	Jun 24, 2022 · Amount on Record
Prior Sale	Nov 1, 1994
Deed Document Number	20221432081
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 5, 2026
Property Address	19482 TWO RIVERS RD, AVON, MN 56310
Document Number	0001712490
Instrument Date	May 1, 2026
Instrument	20261712490
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	2277 197TH ST E, CLEARWATER, MN 55320-1658

Mortgage

Document Number	0001712490,
Date	May 5, 2026
Instrument	20261712490

Lender

Name	HARVEST BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	18 Months
Due	Nov 1, 2027

Interest

Rate	6.46%
Max Rate	-1%

September 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 9, 2022
Property Address	19482 TWO RIVERS RD, AVON, MN 56310
Document Number	00A1640281
Instrument Date	Jun 24, 2022
Instrument	A1640281
Transaction Type	Transfer
Record Updated	Oct 13, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2277 197TH ST E, CLEARWATER, MN 55320-1658

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Holding Township
Unified School District	Albany Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,452.00 (+2.08%)
2025		$251,600 (+6.93%) Land $129,100 Building $122,500	$251,600 (+6.93%) Land $129,100 Building $122,500
2023	$2,402.00	$235,300 Land $123,600 Building $111,700	$235,300 Land $123,600 Building $111,700

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 A high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	Not determined for this zone
Flood Insurance Requirement	Required federally backed loans
Nearby Flood Policies	8 in force
Nearby Flood Claims	12 (1993–2022)
Claims Outside the SFHA	2 of 12
Most Recent Claim	May 2022 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Storms, Straight-line Winds, Tornadoes, And Flooding, May 2022 · 2 claims

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	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Albany Mutual Telephone Association Fiber	10,000 / 10,000

May also be available: Verizon.

Cell Coverage

5G (outdoors only) and 4G LTE

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