Stearns County property record for 2106 Clearwater Rd, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,915 sqft · built 1956 |
| Lot Size | 0.55 acres (23,958 sqft) |
| Owner | Individual Name on File |
| Last Sale | $157,400 (Jan 2013) |
| Tax Bill | $2,988 (2026) |
| Deeds & Mortgages | Apr 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44107-0000 |
| Primary APN | 82-44107-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 1,915 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1956 |
|---|---|
| Effective Year Built | Effective 1956 |
| Exterior Material | Stone |
| Roof Material | Asphalt |
| Lot Area | 23,958 sqft (0.55 acres) |
| Lot Width | 100 ft Width |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 2106 CLEARWATER RD |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-5814 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | .55 A N99' OF S264' OF E 259.35' OF THE SE4NE4 ELY OF CLEARWATER RD LESS W'LY PART TO CITY FOR RD SECTION 23 TOWNSHIP 124 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 23 |
| Legal Subdivision | METES AND BOUNDS DESC. |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3015 |
| Census Tract | 304 |
2106 Clearwater Rd is owned and occupied by an individual who bought it in January 2013.
Source: Stearns County records, as of July 30, 2026
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 | Individual Name on File |
|---|---|
| Mailing Address | 2106 CLEARWATER RD, SAINT CLOUD, MN 56301-5814 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 17, 2013 · Amount on File |
| Deed Sale | Jan 17, 2013 · Amount on File |
| Deed Document Number | 201363269 |
| Prior Transfer Date | Dec 27, 2012 |
| Prior Transfer Doc | 0000063269 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Apr 29, 2026 |
| Property Address | 2106 CLEARWATER RD, SAINT CLOUD, MN 56301-5814 |
| Document Number | 0001712163 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261712163 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES |
| Name | Verified Name |
|---|---|
| Address | 2106 CLEARWATER RD, SAINT CLOUD, MN 56301-5814 |
| Document Number | 0001712163, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20261712163 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 240 Months |
| Due | May 18, 2046 |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 2106 Clearwater Rd was $2,988, up 16.4% from the year before.
Source: Stearns County assessment roll, as of July 30, 2026
| 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 | $2,988.00 (+16.45%) | $238,200 (+5.77%) Land $40,000 Building $198,200 | $238,200 (+5.77%) Land $40,000 Building $198,200 |
| 2025 | $2,566.00 Homeowner's exemption | $225,200 Land $40,000 Building $185,200 | $225,200 Land $40,000 Building $185,200 |
| 2023 | $2,470.00 | $216,400 Land $40,000 Building $176,400 | $216,400 Land $40,000 Building $176,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2106 Clearwater Rd in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
Values are read at the parcel center point; lenders make the official flood determination.
Wildfire risk around 2106 Clearwater Rd is low, with a 0.01% annual chance of 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 | 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.
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