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Single Family ResidenceResidential
Last sold for $165,000 on Oct 3, 2008

19309 COUNTY ROAD 45

CLEARWATER, MN 55320
2
Beds
2.3
Baths
1,404 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
15 ac
Lot SizeThe size of the land the home sits on, from county records.
2012
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
5
RoomsThe total room count in county records. Counties differ on which rooms they count, so compare it loosely.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$165,000 · Oct 3, 2008

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$4,804 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$541,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$207,200
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$334,200
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$518,900
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$541,400

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.41
36
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
42
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
54
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
52
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
24
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.6 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.30%
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.15.00
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
FoundationWhat the home is built on, such as a concrete slab, a crawl space, or a basement.Block (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
FireplaceWhether the home has a fireplace, and what kind.Yes
PoolWhether the property has a pool, and what kind, such as in-ground.No

Transaction History(1)

Sales and refinances filed with the county for this home. Not every transfer is a normal sale, so check the type before comparing prices.

Assigned SchoolsThe public schools this address is zoned for. Boundaries change, so confirm with the district before you count on it.

E
Clearview Elementary SchoolB
Elementary · Grades PK–5 · 6.4 mi
H
Tech High SchoolD+
High · Grades 9–12 · 8.3 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 10.0 mi

District: St. Cloud Area School District

Neighborhood · ZIP 55320These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.147
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.106
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.92%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.19%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.5.7%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.5,923
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.111 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$96,385
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$109,607
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.56%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

19309 County Road 45 measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a bigger lot than 91% of homes in Stearns County
  • Newer than 92% of homes in Stearns County

How it measures up in Clearwater 55320

The dot is this home. The mark in the middle is the typical home in Clearwater 55320.

Living area1,404 ft²
SmallerTypical 1,396 ft²Bigger

Bigger than 51% of homes nearby

Lot size15 ac
SmallerTypical 1.68 acBigger

Bigger than 88% of homes nearby

Year built2012
OlderTypical 1993Newer

Newer than 88% of homes nearby

How 19309 County Road 45 ranks against every home in each area.
MeasureThis homeClearwater 55320Stearns County
Living areabigger than1,404 ft²51% of homes55% of homes
Lot sizebigger than15 ac88% of homes91% of homes
Year builtnewer than201288% of homes92% of homes

About 19309 County Road 45

When did 19309 County Road 45, Clearwater, MN last sell?

19309 County Road 45, Clearwater, MN last sold on Oct 3, 2008 for $165,000, according to the county's recorded deed.

How big is 19309 County Road 45, Clearwater, MN?

19309 County Road 45, Clearwater, MN has 2 bedrooms, 2.3 bathrooms, 1,404 square feet of living space and a 15.00-acre lot.

When was 19309 County Road 45, Clearwater, MN built?

19309 County Road 45, Clearwater, MN was built in 2012, making it 14 years old. It is a ranch home. The building has 1 story.

What schools serve 19309 County Road 45, Clearwater, MN?

19309 County Road 45, Clearwater, MN is assigned to Clearview Elementary School (elementary), rated B; Tech High School (high), rated D+; South Junior High School (middle), rated D+. All sit in St. Cloud Area School District. Attendance boundaries change — confirm with the district before relying on an assignment.

How does 19309 County Road 45, Clearwater, MN compare to other homes in Clearwater 55320?

Among the 2,073 homes in Clearwater 55320, it is bigger than 51% of them (1,404 ft² against a typical 1,396 ft²), its lot is bigger than 88% of them (15 ac against a typical 1.68 ac) and it is newer than 88% of them (2012 against a typical 1993). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 19309 County Road 45, Clearwater, MN?

The 2026 property tax bill for 19309 County Road 45, Clearwater, MN was $4,804. The county assessed it at $541,400.

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