2410 Clearwater Rd, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2410 Clearwater Rd, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,062 sqft · built 1959
Lot Size	0.44 acres (19,166 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Jun 2026)
Tax Bill	$3,976 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-44149-0110`

Property Details

APN / Parcel Number

Primary APN	`82-44149-0110`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,062 sqft Living Area

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Lot Width	110 ft Width
Garage Area	506 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2410 CLEARWATER RD
City	SAINT CLOUD
State	MN
Zip	56301-5906
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.44A BEG 1019.5' W & 190' S OF NE COR OF SE4SE4; TH S108 FT; TH E194.90'; TH N89'; TH W195.08' E OF ROAD OLD # 30.18878.000
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	2
Census Block	2002
Census Tract	304

Owner

2410 Clearwater Rd is owned and occupied by an individual who bought it in June 2026.

Source: Stearns County records, as of June 23, 2026

Owner of Record	Individual Name on File
Mailing Address	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 8, 2026	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MN
Nov 16, 2022	Warranty Deed, Transfer MISC COMPANY
Apr 26, 2019	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 8, 2026 · Amount on File
Deed Sale	Jun 8, 2026 · Amount on File
Prior Sale	Apr 26, 2019 · Amount on File
Deed Document Number	20261714641
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 8, 2026
Property Address	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906
Document Number	0001714641
Instrument Date	Jun 3, 2026
Instrument	20261714641
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	GREAT NORTHERN TITLE, GREAT NORTH TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$91,657.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906

Mortgage

Document Number	0001714642,
Date	Jun 8, 2026
Instrument	20261714642

Lender

Name	LIBERTY BANK MN

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 16, 2022
Property Address	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906
Document Number	00A1644451
Instrument Date	Oct 21, 2022
Instrument	A1644451
Transaction Type	Transfer
Record Updated	Dec 21, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
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	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906

April 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 26, 2019
Property Address	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906
Document Number	00A1542288
Instrument Date	Apr 18, 2019
Instrument	A1542288
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2410 CLEARWATER RD, SAINT CLOUD, MN 56301-5906

Tax Assessment & Valuation

The 2026 property tax bill for 2410 Clearwater Rd was $3,976 with a homeowner's exemption.

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	$3,976.00
2025		$188,800 Land $40,000 Building $148,800	$188,800 Land $40,000 Building $148,800
2023	$1,900.00	$181,700 Land $40,000 Building $141,700	$181,700 Land $40,000 Building $141,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2410 Clearwater Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2410 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.

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Intrepid Fiber Networks, Verizon.

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