2107 Clearwater Rd, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2107 Clearwater Rd, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,189 sqft · built 1948
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on Record
Last Sale	$215,000 (Jun 2026)
Tax Bill	$2,086 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Feb 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-44192-0000`

Property Details

APN / Parcel Number

Primary APN	`82-44192-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,189 sqft Living Area
1st Floor Area	994 sqft

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1948
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Width	74 ft Width
Garage Area	273 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None

Location & Zoning

Street Address	2107 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	S41.85' OF E155' OF LOT 20 ALL OF LOT 22 & N3.15' OF LOT 23 BLK 1 ATWOOD ACRES SECTION 23 TOWNSHIP 124 RANGE 028 BLK 1 ATWOOD
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	ATWOOD ACRES
Legal Block	1
Legal Lot Number	20
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1048
Census Tract	301

Owner

Source: Stearns County records, as of July 22, 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	2107 CLEARWATER RD, SAINT CLOUD, MN 56301-5811
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 29, 2026	Warranty Deed, Transfer · Conventional Mortgage GRANITE BANK
Feb 25, 2022	Warranty Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2026 · Amount on Record
Deed Sale	Jun 29, 2026 · Amount on Record
Prior Sale	Feb 18, 2022 · Amount on Record
Deed Document Number	202647128
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 29, 2026
Property Address	2107 CLEARWATER RD, SAINT CLOUD, MN 56301-5811
Document Number	0000047128
Instrument Date	Jun 15, 2026
Instrument	202647128
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	COUNTY ABSTRACT, STEARNS COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,659.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 CLEARWATER RD, SAINT CLOUD, MN 56301-5811

Mortgage

Document Number	0000047129,
Date	Jun 29, 2026
Instrument	202647129

Lender

Name	GRANITE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 25, 2022
Property Address	2107 CLEARWATER RD, SAINT CLOUD, MN 56301-5811
Document Number	0000T44636
Instrument Date	Feb 18, 2022
Instrument	T44636
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2107 CLEARWATER RD, SAINT CLOUD, MN 56301-5811

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,086.00 (+19.75%)
2025		$169,000 (+8.06%) Land $30,000 Building $139,000	$169,000 (+8.06%) Land $30,000 Building $139,000
2023	$1,742.00	$156,400 Land $30,000 Building $126,400	$156,400 Land $30,000 Building $126,400

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	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.

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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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