Stearns County property record for 19530 Co Rd 45, Clearwater, MN 55320
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 1 ba · 1,152 sqft · built 2016 |
| Lot Size | 26.6 acres (1,162,181 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $625,000 (Aug 2025) |
| Tax Bill | $2,136 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10266-0005 |
| Primary APN | 19-10266-0005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 1,152 sqft Living Area |
| Gross Area | 691 sqft |
| 1st Floor Area | 1,152 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2016 |
|---|---|
| Effective Year Built | Effective 2016 |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Metal |
| Lot Area | 1,162,181 sqft (26.6 acres) |
| Garage Area | 2,304 sqft |
| Parking Spaces | 8 Parking Spaces |
| Lean-To | 864 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 19530 COUNTY ROAD 45 |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1504 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Legal Description | 26.68A P/O W2NE4 LYING SELY OF CTY RD 45 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 | 2 |
| Census Block | 2036 |
| Census Tract | 11202 |
Source: Stearns County records, as of April 21, 2026
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 |
|---|---|
| Mailing Address | 10150 IRELAND AVE NW, ANNANDALE, MN 55302-2345 |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 13, 2025 · Amount on Record |
| Deed Sale | Aug 13, 2025 · Amount on Record |
| Prior Sale | Jul 31, 2025 · Amount on Record |
| Deed Document Number | 20251697736 |
| Record Updated | Jun 8, 2026 |
Source: Stearns County assessment roll, as of November 6, 2025
| 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 | $2,136.00 (+3.69%) | ||
| 2025 | $398,600 (+7.41%) Land $213,700 Building $184,900 | $398,600 (+7.41%) Land $213,700 Building $184,900 | |
| 2024 | $2,060.00 (+11.35%) | ||
| 2023 | $1,850.00 | $371,100 Land $201,000 Building $170,100 | $371,100 Land $201,000 Building $170,100 |
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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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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