Benton County property record for 1001 45th Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.154 acres (6,739 sqft) |
| Owner | Individual Name on File |
| Last Sale | $289,000 (Feb 2023) |
| Tax Bill | $4,132 (2026) |
| Deeds & Mortgages | Feb 2023 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02468.00 |
| Primary APN | 17.02468.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 6,739 sqft (0.154 acres) |
| Street Address | 1001 45TH AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-4667 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-28 TWP-036 RANGE-030 WHISPERING MEADOWS LOT-001 BLOCK-001 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 28 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20300 |
1001 45th Ave NE is owned and occupied by an individual who bought it in February 2023.
Source: Benton County records, as of July 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1001 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 3, 2023 · Amount on File |
| Deed Sale | Feb 3, 2023 · Amount on File |
| Deed Document Number | 2023464930 |
| Record Updated | Sep 20, 2026 |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Feb 3, 2023 |
| Property Address | 1001 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Document Number | 0000464930 |
| Instrument Date | Feb 2, 2023 |
| Instrument | 464930 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 21, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1001 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Date | Feb 3, 2023 |
|---|
| Name | NOT AVAILABLE |
|---|
| Type | Land Contract |
|---|---|
| Amount | Amount on Record |
| Term | 97 Months |
| Due | Feb 28, 2031 |
| Rate | 3.5% |
|---|
The 2026 property tax bill for 1001 45th Ave NE was $4,132 with a homeowner's exemption, up 11.8% from the year before.
Source: Benton County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | Sauk Rapids-Rice Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,132.00 (+11.8%) Homeowner's exemption | $271,900 (-) Land $30,000 Building $241,900 | $271,900 (-) Land $30,000 Building $241,900 |
| 2025 | $3,696.00 Homeowner's exemption | $271,900 Land $30,000 Building $241,900 | $271,900 Land $30,000 Building $241,900 |
| 2023 | $276.00 | $271,900 Land $30,000 Building $241,900 | $271,900 Land $30,000 Building $241,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1001 45th Ave NE in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · 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 | 1 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 risk around 1001 45th Ave NE is low, with a 0.05% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 62% of the US · above 67% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Saint Cloud serves 71,321 people · EPA ID MN1730027 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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