Stearns County property record for 2103 Clearwater Rd, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,239 sqft · built 1940 |
| Lot Size | 0.29 acres (12,632 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $229,000 (Dec 2024) |
| Tax Bill | $2,812 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44191-0000 |
| Primary APN | 82-44191-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,239 sqft Living Area |
| 1st Floor Area | 1,044 sqft |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Metal |
| Roof Material | Asphalt |
| Lot Area | 12,632 sqft (0.29 acres) |
| Lot Width | 80 ft Width |
| Garage Area | 594 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 2103 CLEARWATER RD |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-5811 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | N74' OF E155' OF LOT 20 & S6 FT OF E178.5' OF LOT 19 ATWOOD ACRES SECTION 23 TOWNSHIP 124 RANGE 028 ATWOOD ACRES SECTION 23 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 23 |
| Legal Subdivision | ATWOOD ACRES |
| Legal Block | 1 |
| Legal Lot Number | 19-20 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1048 |
| Census Tract | 301 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 2103 CLEARWATER RD, SAINT CLOUD, MN 56301-5811 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 10, 2024 · Amount on Record |
| Deed Sale | Dec 10, 2024 · Amount on Record |
| Prior Sale | Nov 27, 2024 · Amount on Record |
| Record Updated | Jun 8, 2026 |
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,812.00 (+25.09%) | ||
| 2025 | $214,300 (+8.51%) Land $30,000 Building $184,300 | $214,300 (+8.51%) Land $30,000 Building $184,300 | |
| 2023 | $2,248.00 | $197,500 Land $30,000 Building $167,500 | $197,500 Land $30,000 Building $167,500 |
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 | 1 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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Saint Cloud serves 71,321 people · EPA ID MN1730027 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 277 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Intrepid Fiber Networks Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon, Xtratyme Technologies.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures