Stearns County property record for 2645 Clearwater Rd, Saint Cloud, MN 56301
| Property Type | Multi-Family Dwellings |
|---|---|
| Details | 8,520 sqft · built 1970 |
| Lot Size | 0.92 acres (40,075 sqft) |
| Owner | Company Name on File |
| Last Sale | $400,000 (Sep 2019) |
| Tax Bill | $12,124 (2026) |
| Deeds & Mortgages | Sep 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44152-0024 |
| Primary APN | 82-44152-0024 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 8,520 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Architectural Style | Multi-Family |
| Exterior Material | Metal |
| Roof Material | Metal |
| Lot Area | 40,075 sqft (0.92 acres) |
| Lot Width | 100 ft Width |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Street Address | 2645 CLEARWATER RD |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-5953 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Local Zoning Code | C5 |
| Legal Description | .92A S'LY 100.58' OF N'LY 1226.96' OF THAT PART OF E2NE4 LYING E OF RY & W OF ROAD (WHEN MEASURED ON E LINE OF RY) LESS E200' |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 26 |
| Legal Subdivision | METES AND BOUNDS DESC. |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2022 |
| Census Tract | 304 |
2645 Clearwater Rd, a residential property, is owned by a company that bought it in September 2019.
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 | Company Name on File |
|---|---|
| Mailing Address | 2 SHADOW LN, SAINT PAUL, MN 55127-2612 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 20, 2019 · Amount on File |
| Deed Sale | Sep 20, 2019 · Amount on File |
| Deed Document Number | 201942635 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 20, 2019 |
| Property Address | 2645 CLEARWATER RD, SAINT CLOUD, MN 56301-5953 |
| Document Number | 0000T42635 |
| Instrument Date | Sep 17, 2019 |
| Instrument | T42635 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 642 HAGUE AVE, SAINT PAUL, MN 55104-6603 |
The 2026 property tax bill for 2645 Clearwater Rd was $12,124.
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 | $12,124.00 | $410,200 (-) Land $100,200 Building $310,000 | $410,200 (-) Land $100,200 Building $310,000 |
| 2025 | $410,200 Land $100,200 Building $310,000 | $410,200 Land $100,200 Building $310,000 | |
| 2023 | $9,226.00 | $383,600 Land $100,200 Building $283,400 | $383,600 Land $100,200 Building $283,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2645 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 risk around 2645 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 187 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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