865 189th St E, Clearwater, MN 55320 Property Records

Stearns County property record for 865 189th St E, Clearwater, MN 55320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,200 sqft · built 1994
Lot Size	1.72 acres (74,923 sqft)
Owner	Individual Name on Record
Last Sale	$9,000 (Mar 1994)
Tax Bill	$3,466 (2026)
Flood Zone	Zone X (minimal risk)
APN	`19-10765-0000`

Property Details

APN / Parcel Number

Primary APN	`19-10765-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,200 sqft Living Area
Gross Area	1,800 sqft
1st Floor Area	1,200 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1994
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	74,923 sqft (1.72 acres)
Lot Dimensions	376 ft deep x 200 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	96 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	865 189TH ST E
City	CLEARWATER
State	MN
Zip	55320-1551
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 001 BLK 001 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	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	LYNDEN
Census Block Group	2
Census Block	2052
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	865 189TH ST E, CLEARWATER, MN 55320-1551
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 15, 1994 · Amount on Record
Deed Sale	Mar 15, 1994 · Amount on Record
Record Updated	Sep 20, 2026

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	$3,466.00 (+17.02%)	$402,100 (+0.58%) Land $87,700 Building $314,400	$402,100 (+0.58%) Land $87,700 Building $314,400
2025		$399,800 (+9.35%) Land $74,000 Building $325,800	$399,800 (+9.35%) Land $74,000 Building $325,800
2023	$2,962.00	$365,600 Land $74,000 Building $291,600	$365,600 Land $74,000 Building $291,600

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 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.03% 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 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000