712 189th St E, Clearwater, MN 55320 Property Records

Stearns County property record for 712 189th St E, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.75 ba · 1,693 sqft · built 1991
Lot Size	1.64 acres (71,438 sqft)
Owner	Individual Name on Record
Last Sale	$383,939 (May 2017)
Tax Bill	$6,144 (2026)
Deeds & Mortgages	May 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`19-10765-0022`

Property Details

APN / Parcel Number

Primary APN	`19-10765-0022`

Interior

Bedrooms	4 Beds
Full Baths	2.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,693 sqft Living Area
Gross Area	2,040 sqft
1st Floor Area	1,693 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	71,438 sqft (1.64 acres)
Lot Dimensions	357 ft deep x 202 ft wide
Garage Area	816 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	816 sqft
Gazebo	86 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	712 189TH ST E
City	CLEARWATER
State	MN
Zip	55320-1536
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 004 BLK 002 LUMLEYS LONG LAKE ESTATES SECTION 08 TOWNSHIP 122 RANGE 027 SECTION 08 TOWNSHIP 122 RANGE 027
Legal Range	27W
Legal Township	122
Legal Section	08
Legal Subdivision	LUMLEYS LONG LAKE ESTATES
Legal Block	2
Legal Lot Number	4
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2051
Census Tract	11202

Owner

Source: Stearns County records, as of July 30, 2026

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	712 189TH ST E, CLEARWATER, MN 55320-1536
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 1, 2017 · Amount on Record
Deed Sale	May 1, 2017 · Amount on Record
Prior Sale	Apr 14, 2017 · Amount on Record
Deed Document Number	20171494325
Record Updated	Oct 29, 2026

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 1, 2017
Property Address	712 189TH ST E, CLEARWATER, MN 55320-1536
Document Number	00A1494325
Instrument Date	Apr 14, 2017
Instrument	A1494325
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$1,267.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	712 189TH ST E, CLEARWATER, MN 55320-1536

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Lynden Township
Unified School District	Annandale Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,144.00 (+27.2%)	$648,000 (-1.94%) Land $202,600 Building $445,400	$648,000 (-1.94%) Land $202,600 Building $445,400
2025		$660,800 (+16.28%) Land $202,100 Building $458,700	$660,800 (+16.28%) Land $202,100 Building $458,700
2023	$4,830.00	$568,300 Land $180,200 Building $388,100	$568,300 Land $180,200 Building $388,100

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	6 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 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 52 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Starlink Satellite	280 / 30