Stearns County property record for 786 189th St E, Clearwater, MN 55320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,292 sqft · built 1987 |
| Lot Size | 1.75 acres (76,230 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,206 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 19-10765-0018 |
| Primary APN | 19-10765-0018 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 9 Rooms |
| Stories | 1 Story |
| Building Area | 1,292 sqft Living Area |
| Gross Area | 1,550 sqft |
| 1st Floor Area | 1,288 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1990 |
| Architectural Style | Ranch |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 76,230 sqft (1.75 acres) |
| Lot Dimensions | 383 ft deep x 200 ft wide |
| Garage Type | Attached |
| Garage Area | 784 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 80 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 786 189TH ST E |
|---|---|
| City | CLEARWATER |
| State | MN |
| Zip | 55320-1536 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 002 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 | 2 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | LYNDEN |
| Census Block Group | 2 |
| Census Block | 2051 |
| Census Tract | 11202 |
Source: Stearns County records · APN 19-10765-0018
Assessment roll updated July 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 786 189TH ST E, CLEARWATER, MN 55320-1536 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| County Subdivision | Lynden Township |
| Unified School District | Annandale Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,206.00 (+7.22%) | $375,000 (+0.73%) Land $84,400 Building $290,600 | $375,000 (+0.73%) Land $84,400 Building $290,600 |
| 2025 | $372,300 (-0.51%) Land $71,200 Building $301,100 | $372,300 (-0.51%) Land $71,200 Building $301,100 | |
| 2023 | $2,990.00 | $374,200 Land $71,200 Building $303,000 | $374,200 Land $71,200 Building $303,000 |
Source: FEMA National Flood Hazard Layer as of September 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 6 in force |
| Wildfire Risk | Low lower than 67% of the US · above 57% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation at the parcel |
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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Fiber | 5,000 / 5,000 |
| Starlink Satellite | 280 / 30 |
Based on FCC filings for 52 locations within half a mile of this property.
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