Stearns County property record for 19525 Co Rd 45, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,479 sqft · built 1988 |
| Lot Size | 1 acres (43,560 sqft) |
| Owner | 2 Company Names on Record |
| Last Sale | $220,000 (Sep 2025) |
| Tax Bill | $2,450 (2026) |
| Deeds & Mortgages | Jul 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10267-0001 |
| Primary APN | 19-10267-0001 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,479 sqft Living Area |
| Gross Area | 1,620 sqft |
| 1st Floor Area | 1,344 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 43,560 sqft (1 acres) |
| Garage Type | Attached |
| Garage Area | 768 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 168 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 19525 COUNTY ROAD 45 |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | 1.00 A N 218' OF E 200' OF SE4NW4 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 | 1 |
| Census Block | 1000 |
| Census Tract | 11202 |
Source: Stearns County records, as of August 3, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on Record |
|---|---|
| Mailing Address | 702 200TH ST, CLEARWATER, MN 55320-1505 |
| Owner Type | Company |
| Vesting | Life Tenant |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 24, 2025 · Amount on Record |
| Deed Sale | Sep 24, 2025 · Amount on Record |
| Prior Sale | May 19, 2025 · Amount on Record |
| Deed Document Number | 20251700194 |
| Prior Transfer Date | Sep 23, 2025 |
| Prior Transfer Doc | 0001700194 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 15, 2026 |
| Property Address | 19525 COUNTY ROAD 45, CLEARWATER, MN 55320-1504 |
| Document Number | 0001717168 |
| Instrument Date | Jun 1, 2026 |
| Instrument | 20261717168 |
| Transaction Type | Transfer |
| Record Updated | Aug 31, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Life Tenant |
| Address | 702 200TH ST, CLEARWATER, MN 55320-1505 |
Source: Stearns County assessment roll, as of July 30, 2026
| 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 |
|---|---|---|---|
| 2026 | $2,450.00 (+4.79%) | $289,500 (+1.4%) Land $69,000 Building $220,500 | $289,500 (+1.4%) Land $69,000 Building $220,500 |
| 2025 | $285,500 (-0.7%) Land $57,800 Building $227,700 | $285,500 (-0.7%) Land $57,800 Building $227,700 | |
| 2023 | $2,338.00 | $287,500 Land $57,800 Building $229,700 | $287,500 Land $57,800 Building $229,700 |
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 | 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.
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 | 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
Search by:
By searching, you agree to: Terms • Privacy • Disclosures