2604 Clearwater Rd, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2604 Clearwater Rd, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,260 sqft · built 1939
Lot Size	0.38 acres (16,553 sqft)
Owner	Individual Name on Record
Tax Bill	$2,064 (2025)
Deeds & Mortgages	Sep 2025 Sale Jul 2023 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`82-44152-0009`

Property Details

APN / Parcel Number

Primary APN	`82-44152-0009`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,260 sqft Living Area

Exterior

Year Built	Built 1939
Exterior Material	Aluminum/Vinyl
Lot Area	16,553 sqft (0.38 acres)
Garage Area	228 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Old Parcel Number	82.44152.0009
Street Address	2604 CLEARWATER RD
City	SAINT CLOUD
State	MN
Zip	56301-5908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.38A S122.5' OF N238' OF W142' OF NE4NE4 LYING E OF ROAD OLD # 30.18937.000 SECTION 26 TOWNSHIP 124 RANGE 028 # 30.18937.000
Legal Range	28
Legal Township	124
Legal Section	26
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2008
Census Tract	304

Owner

Source: Stearns County records, as of November 5, 2025

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	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2025	Warranty Deed, Transfer EXECUTIVE TITLE SERVICES INC, EXECUTIVE TITLE SERVICES
Jul 10, 2023	Warranty Deed, Transfer STEARNS COUNTY ABSTRACT COMPANY, STEARNS COUNTY ABSTRACT & TI
Sep 16, 2022	Warranty Deed, Transfer MISC COMPANY
Sep 16, 2022	Warranty Deed, Transfer MISC COMPANY
Sep 17, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 17, 2025
Deed Sale	Sep 17, 2025
Prior Sale	Jul 10, 2023
Deed Document Number	A1699773
Record Updated	Jun 8, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 17, 2025
Property Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908
Document Number	00A1699773
Instrument Date	Aug 25, 2025
Instrument	A1699773
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	EXECUTIVE TITLE SERVICES INC, EXECUTIVE TITLE SERVICES

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 10, 2023
Property Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908
Document Number	00A1655985
Instrument Date	Jun 23, 2023
Instrument	A1655985
Transaction Type	Transfer
Record Updated	Oct 14, 2025
Title Company	STEARNS COUNTY ABSTRACT COMPANY, STEARNS COUNTY ABSTRACT & TI

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 16, 2022
Property Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908
Document Number	00A1640792
Instrument Date	Sep 9, 2022
Instrument	A1640792
Transaction Type	Transfer
Record Updated	Oct 14, 2025
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	15 17TH AVE S, SAINT CLOUD, MN 56301-4138

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 16, 2022
Property Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908
Document Number	00A1640791
Instrument Date	Sep 9, 2022
Instrument	A1640791
Transaction Type	Transfer
Record Updated	Oct 14, 2025
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	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908

September 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 17, 2021
Property Address	2604 CLEARWATER RD, SAINT CLOUD, MN 56301-5908
Document Number	00A1614415
Instrument Date	May 5, 2021
Instrument	A1614415
Transaction Type	Transfer
Record Updated	Oct 14, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4203 4TH ST S, SAINT CLOUD, MN 56301-8548

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of February 1, 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
2025	$2,064.00 (+51.99%)	$154,100 (+14.91%) Land $40,000 Building $114,100	$154,100 (+14.91%) Land $40,000 Building $114,100
2023	$1,358.00	$134,100 Land $40,000 Building $94,100	$134,100 Land $40,000 Building $94,100

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 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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