Skip to content
Skip to content
TopHapOpen in map
Rural ResidenceResidential
$483,245$315 / ft²
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 93How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Sep 24, 2026
Last sold for $50,000 on Mar 11, 2009

20040 COUNTY ROAD 45

CLEARWATER, MN 55320
3
Beds
1
Baths
1,536 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.
17.11 ac
Lot SizeThe size of the land the home sits on, from county records.
1994
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
3
ParkingThe number of parking spaces on the property, including the garage.

Valuation

$483K
$451K low$516K high
Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$50,000 · Mar 11, 2009

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,418 (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.$530,000 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$232,100
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$297,900
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$505,800
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$530,000

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.49
84
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
38
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
53
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
50
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.87 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.Rural 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.17.11
ConstructionThe main material the home's frame and walls are built from.Frame (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
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 160 ft²

Transaction History(2)

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 · 5.4 mi
H
Tech High SchoolD+
High · Grades 9–12 · 8.2 mi
M
South Junior High SchoolD+
Middle · Grades 6–8 · 9.5 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%

Owner Tools

Do you own this home?
Claim this home

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

20040 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.

  • Worth more than 87% of homes in Stearns County
  • Costs more per square foot than 91% of homes in Stearns County
  • Has a bigger lot than 91% of homes in Stearns County
  • Newer than 66% of homes in Stearns County

What homes are worth in Clearwater 55320

Each bar is how many homes fall in that price range. The marker is this home.

This home
$163K$891K

This home is worth more than 76% of homes in Clearwater 55320.

How it measures up in Clearwater 55320

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

Estimated value$483,245
CheaperTypical $352,784Pricier

Pricier than 76% of homes nearby

Price per ft²$315
CheaperTypical $262Pricier

Pricier than 76% of homes nearby

Living area1,536 ft²
SmallerTypical 1,392 ft²Bigger

Bigger than 61% of homes nearby

Lot size17.11 ac
SmallerTypical 1.71 acBigger

Bigger than 90% of homes nearby

Year built1994
OlderTypical 1993Newer

Newer than 53% of homes nearby

How 20040 County Road 45 ranks against every home in each area.
MeasureThis homeClearwater 55320Stearns County
Estimated valuepricier than$483,24576% of homes87% of homes
Price per ft²pricier than$31576% of homes91% of homes
Living areabigger than1,536 ft²61% of homes64% of homes
Lot sizebigger than17.11 ac90% of homes91% of homes
Year builtnewer than199453% of homes66% of homes

About 20040 County Road 45

How much is 20040 County Road 45, Clearwater, MN worth?

The TopHap Estimate for 20040 County Road 45, Clearwater, MN is $483,245 as of Sep 24, 2026. The likely range is $450,677 to $515,813. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did 20040 County Road 45, Clearwater, MN last sell?

20040 County Road 45, Clearwater, MN last sold on Mar 11, 2009 for $50,000, according to the county's recorded deed.

How big is 20040 County Road 45, Clearwater, MN?

20040 County Road 45, Clearwater, MN has 3 bedrooms, 1 bathrooms, 1,536 square feet of living space and a 17.11-acre lot.

When was 20040 County Road 45, Clearwater, MN built?

20040 County Road 45, Clearwater, MN was built in 1994, making it 32 years old. It is a ranch home. The building has 1 story.

What schools serve 20040 County Road 45, Clearwater, MN?

20040 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 20040 County Road 45, Clearwater, MN compare to other homes in Clearwater 55320?

Among the 2,073 homes in Clearwater 55320, it is worth more than 76% of them ($483,245 against a typical $352,784), its price per square foot is higher than 76% of them ($315 against a typical $262), it is bigger than 61% of them (1,536 ft² against a typical 1,392 ft²), its lot is bigger than 90% of them (17.11 ac against a typical 1.71 ac) and it is newer than 53% of them (1994 against a typical 1993). Measured against all of Stearns County, it is worth more than 87% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 20040 County Road 45, Clearwater, MN?

The 2026 property tax bill for 20040 County Road 45, Clearwater, MN was $3,418. The county assessed it at $530,000.

More homes on County Road 45

Closest homes

More homes in Clearwater 55320

Assigned schools

Explore the area

See this home in context

Open 20040 County Road 45 on TopHap’s interactive map to compare it against every sale nearby, overlay school zones and flood risk, and run a CMA.

Open in map
A flyover of TopHap's photorealistic 3D map, with recorded sale prices pinned to homes
Search any address, city, zip, or county…3D$1.9M$6.25MOpen in map