2530 Clearwater Rd, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2530 Clearwater Rd, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,270 sqft · built 1984
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Individual Names on File
Last Sale	$21,427 (Apr 2026)
Tax Bill	$3,036 (2026)
Deeds & Mortgages	Apr 2026 Sale Apr 2026 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`82-46411-0524`

Property Details

APN / Parcel Number

Primary APN	`82-46411-0524`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,270 sqft Living Area

Exterior

Year Built	Built 1984
Effective Year Built	Effective 1984
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Width	160 ft Width
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	2530 CLEARWATER RD
City	SAINT CLOUD
State	MN
Zip	56301-5907
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 013 BLK 001 CUMMING ADD TO ST CLOUD SECTION 23 TOWNSHIP 124 RANGE 028 SECTION 23 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	CUMMING ADD TO ST CLOUD
Legal Block	1
Legal Lot Number	13
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	304

Owner

2530 Clearwater Rd is owned and occupied by two individuals who bought it in April 2026.

Source: Stearns County records, as of July 2, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
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
Apr 1, 2026	Affidavit, Transfer
Apr 1, 2026	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Apr 1, 2026	Warranty Deed, Transfer KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SERVICES
Apr 1, 2026	Warranty Deed, Transfer KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SERVICES
Apr 1, 2026	Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 1, 2026 · Amount on File
Deed Sale	Apr 1, 2026 · Amount on File
Prior Sale	Apr 1, 2026 · Amount on File
Deed Document Number	20261710568
Record Updated	Sep 20, 2026

April 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	STEARNS MN
Recording Date	Apr 1, 2026
Property Address	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
Document Number	0001710566
Instrument Date	Apr 1, 2026
Instrument	20261710566
Transaction Type	Transfer
Record Updated	Jul 13, 2026

Transaction

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	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
Investor	Possibly a Property Investor

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 1, 2026
Property Address	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
Document Number	0001710567
Instrument Date	Mar 13, 2026
Instrument	20261710567
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,848.29
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	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907

Mortgage

Document Number	0001710569,
Date	Apr 1, 2026
Instrument	20261710569

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	6.01%
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 1, 2026
Property Address	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
Document Number	0001710568
Instrument Date	Mar 13, 2026
Instrument	20261710568
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SERVICES

Transaction

Amount	Amount on Record
Tax	$7,141.71
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	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 1, 2026
Property Address	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
Document Number	00A1710568
Instrument Date	Mar 13, 2026
Instrument	20261710568
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SERVICES

Transaction

Amount	Amount on Record
Tax	$7,141.71
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	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 1, 2026
Property Address	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907
Document Number	00A1710567
Instrument Date	Mar 13, 2026
Instrument	20261710567
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,848.29
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	2530 CLEARWATER RD, SAINT CLOUD, MN 56301-5907

Mortgage

Document Number	0001710569,
Date	Apr 1, 2026
Instrument	20261710569

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2056

Interest

Rate	5.62%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 2530 Clearwater Rd was $3,036.

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	$3,036.00
2025		$228,200 Land $40,000 Building $188,200	$228,200 Land $40,000 Building $188,200
2023	$2,506.00	$219,200 Land $40,000 Building $179,200	$219,200 Land $40,000 Building $179,200

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

Flood

FEMA maps place 2530 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 2530 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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