4384 Clearwater Rd, Saint Cloud, MN 56301 Property Records

Stearns County property record for 4384 Clearwater Rd, Saint Cloud, MN 56301

Property Summary

Property Type	Townhouse
Details	2 bd · 2 ba · 1,203 sqft · built 1999
Lot Size	0.028 acres (1,215 sqft)
Owner	2 Individual Names on Record
Last Sale	$195,000 (Dec 2025)
Tax Bill	$2,022 (2026)
Deeds & Mortgages	Dec 2025 Sale Dec 2025 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-46638-0318`

Property Details

APN / Parcel Number

Primary APN	`82-46638-0318`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,203 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1999
Effective Year Built	Effective 1999
Architectural Style	Townhouse
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	1,215 sqft (0.028 acres)
Lot Width	120 ft Width
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4384 CLEARWATER RD
City	SAINT CLOUD
State	MN
Zip	56301-9652
Property Category	Residential
Property Type	Residential > Condominium / Townhouse > Townhouse
Local Zoning Code	PUD14
Legal Description	UNIT #10 EDGEWATER TOWNHOME CIC37 1ST. SECTION 01 TOWNSHIP 123 RANGE 028 EDGEWATER TOWNHOME CIC37 1ST. SECTION 01 TOWNSHIP
Legal Range	28W
Legal Township	123
Legal Section	01
Legal Subdivision	EDGEWATER TOWNHOME CIC37 1ST
Legal Unit	10
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	11400

Owner

Source: Stearns County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4384 CLEARWATER RD, SAINT CLOUD, MN 56301-9652
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 15, 2025	Warranty Deed, Transfer
Dec 15, 2025	Affidavit, Transfer
Apr 15, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2025 · Amount on Record
Deed Sale	Dec 15, 2025 · Amount on Record
Prior Sale	Apr 15, 2019 · Amount on Record
Deed Document Number	20251704939
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 15, 2025
Property Address	4384 CLEARWATER RD, SAINT CLOUD, MN 56301-9652
Document Number	00A1704939
Instrument Date	Dec 8, 2025
Instrument	A1704939
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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 with Right of Survivorship
Address	4384 CLEARWATER RD, SAINT CLOUD, MN 56301-9652

December 2025: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	STEARNS MN
Recording Date	Dec 15, 2025
Property Address	4384 CLEARWATER RD, SAINT CLOUD, MN 56301-9652
Document Number	00A1704938
Instrument Date	Nov 25, 2025
Instrument	A1704938
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 15, 2019
Property Address	4384 CLEARWATER RD, SAINT CLOUD, MN 56301-9652
Document Number	00A1541584
Instrument Date	Mar 22, 2019
Instrument	A1541584
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
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	4384 CLEARWATER RD, SAINT CLOUD, MN 56301-9652

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	$2,022.00 (+10.86%)
2025	$1,824.00 (+0.77%) Homeowner's exemption	$165,000 (-) Land $30,000 Building $135,000	$165,000 (-) Land $30,000 Building $135,000
2023	$1,810.00	$165,000 Land $30,000 Building $135,000	$165,000 Land $30,000 Building $135,000

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 Augusta serves 1,600 people · EPA ID MN1730063
Water Source	Purchased surface water from Saint Cloud
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 29 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Arvig.

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