Stearns County property record for 19804 Co Rd 45, Clearwater, MN 55320
| Property Type | Rural Home |
|---|---|
| Details | 5 bd · 1 ba · 3,053 sqft · built 2014 |
| Lot Size | 44.2 acres (1,925,352 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $278,000 (Aug 2012) |
| Tax Bill | $7,588 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10264-0000 |
| Primary APN | 19-10264-0000 |
|---|
| Bedrooms | 5 Beds |
|---|---|
| Full Baths | 1 Bath |
| Half Baths | 1 Half Bath |
| Total Rooms | 15 Rooms |
| Stories | 2 Stories |
| Building Area | 3,053 sqft Living Area |
| Gross Area | 3,226 sqft |
| 1st Floor Area | 982 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2014 |
|---|---|
| Effective Year Built | Effective 2015 |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Composition Shingle |
| Lot Area | 1,925,352 sqft (44.2 acres) |
| Garage Type | Attached |
| Garage Area | 969 sqft |
| Parking Spaces | 4 Parking Spaces |
| Shed | 1 Shed |
|---|---|
| Shed Area | 1,600 sqft |
| Quonset Hut | 1,560 sqft |
| Pole Barn | 700 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 19804 COUNTY ROAD 45 |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1521 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | RPOK |
| Legal Description | 44.20A P/O E2NE4 & GOVT LOT 1 COM NE COR SEC 6-N89D W ALG N LN 308.89' TO CL CSAH 45-S45D W ALG CL 1302.93' TO INT WITH LN |
| Legal Range | 27W |
| Legal Township | 122 |
| Legal Section | 06 |
| Legal Lot Number | 1 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | LYNDEN |
| Census Block Group | 2 |
| Census Block | 2036 |
| Census Tract | 11202 |
Source: Stearns County records, as of July 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 19804 COUNTY ROAD 45, CLEARWATER, MN 55320-1521 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 24, 2012 · Amount on Record |
| Deed Sale | Aug 24, 2012 · Amount on Record |
| Deed Document Number | 2012310151 |
| Record Updated | Sep 20, 2026 |
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 | $7,588.00 (+15.42%) | $1,002,600 (+3.48%) Land $299,300 Building $703,300 | $1,002,600 (+3.48%) Land $299,300 Building $703,300 |
| 2025 | $968,900 (+6.58%) Land $263,400 Building $705,500 | $968,900 (+6.58%) Land $263,400 Building $705,500 | |
| 2023 | $6,574.00 | $909,100 Land $245,800 Building $663,300 | $909,100 Land $245,800 Building $663,300 |
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 | 0.03% 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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