19527 Co Rd 45, Clearwater, MN 55320 Property Records

Stearns County property record for 19527 Co Rd 45, Clearwater, MN 55320

Property Summary

Property Type	Rural Home
Details	3 bd · 2.25 ba · 1,820 sqft · built 1965
Lot Size	105 acres (4,589,046 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Dec 2025)
Tax Bill	$4,022 (2025)
Flood Zone	Zone X (minimal risk)
APN	`19-10267-0000`

Property Details

APN / Parcel Number

Primary APN	`19-10267-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,820 sqft Living Area
Gross Area	1,888 sqft
1st Floor Area	504 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1985
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	4,589,046 sqft (105 acres)
Garage Type	Detached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Exterior Amenities

Shed	1 Shed
Shed Area	3,600 sqft
Granary	4,000 sqft
Lean-To	832 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	19527 COUNTY ROAD 45
City	CLEARWATER
State	MN
Zip	55320-1504
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	2AIMP
Legal Description	105.35 A NE4NW4 LESS NE'LY 13.52 A, SW 1.75 A. OF SW4 NE4 & S2NW4 LESS 1.00A SECTION 06 TOWNSHIP 122 RANGE 027 S2NW4 LESS
Legal Range	27W
Legal Township	122
Legal Section	06
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	1
Census Block	1002
Census Tract	11202

Owner

Source: Stearns County records, as of December 23, 2025

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	2 Individual Names on Record
Mailing Address	19527 COUNTY ROAD 45, CLEARWATER, MN 55320-1504
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 5, 2025 · Amount on Record
Deed Sale	Dec 5, 2025 · Amount on Record
Prior Sale	May 19, 2025 · Amount on Record
Deed Document Number	20251704516
Prior Transfer Date	Nov 26, 2025
Prior Transfer Doc	0001704515
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

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

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
2025	$4,022.00 (+31.96%) Homeowner's exemption	$1,018,800 (+6.93%) Land $630,300 Building $388,500	$1,018,800 (+6.93%) Land $630,300 Building $388,500
2023	$3,048.00	$952,800 Land $575,800 Building $377,000	$952,800 Land $575,800 Building $377,000

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	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.

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	Indirect within ember reach

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