Stearns County property record for 19494 Co Rd 45, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 2,396 sqft · built 1997 |
| Lot Size | 28.1 acres (1,227,085 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $4,570 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10272-0000 |
| Primary APN | 19-10272-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Building Area | 2,396 sqft Living Area |
| Gross Area | 3,378 sqft |
| 1st Floor Area | 1,616 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Architectural Style | Rambler |
| Exterior Material | Metal |
| Construction Type | Frame |
| Foundation Type | Block |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 1,227,085 sqft (28.1 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 3 Buildings |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air |
| Old Parcel Number | 19.10272.0000 |
|---|---|
| Street Address | 19494 COUNTY ROAD 45 |
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 28.17 A. PT OF NE4SW4 & OF NW4SE4 DAF BEG AT CL OF CO RD & N LN OF NW4SE4 - S89D E 1291.51' - S TO SE CORN OF NW4SE4 |
| Legal Range | 27 |
| Legal Township | 122 |
| Legal Section | 06 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | LYNDEN |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 11202 |
Source: Stearns County records, as of July 7, 2023
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Co-owner | Co-owner on Record |
| Mailing Address | 19494 COUNTY ROAD 45, CLEARWATER, MN 55320-1504 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 7, 2026 |
Source: Stearns County assessment roll, as of February 1, 2023
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| County Subdivision | Lynden Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $4,570.00 | $550,800 Land $211,100 Building $339,700 | $550,800 Land $211,100 Building $339,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 64% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
5G (outdoors only) and 4G LTE
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