1004 18th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1004 18th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.177 acres (7,743 sqft)
Owner	Individual Name on File
Last Sale	$189,900 (Jul 2019)
Tax Bill	$3,532 (2025)
Deeds & Mortgages	Jul 2021 Transfer Jul 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-8830`

Property Details

APN / Parcel Number

Primary APN	`85-401-8830`
Alternative APNs	`85-00401-8830` `42493`

Exterior

Lot Area	7,743 sqft (0.177 acres)

Location & Zoning

Street Address	1004 18TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-2242
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, BLK 88 & VAC ALLEY
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	88
Legal Lot Number	7
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	31500

Owner

Source: Sherburne County assessment roll, as of July 29, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	1004 18TH ST SE, SAINT CLOUD, MN 56304-2242
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 29, 2021	Quit Claim Deed, Transfer Quitclaim
Jul 10, 2019	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 10, 2019 · Amount on Record
Deed Sale	Jul 10, 2019 · Amount on Record
Prior Sale	Jun 12, 2014 · Amount on Record
Deed Document Number	2019874853
Last Transfer Date	Jul 1, 2021
Transfer Doc	0000924442
Record Updated	Jun 8, 2026

July 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 29, 2021
Property Address	1004 18TH ST SE, SAINT CLOUD, MN 56304-2242
Document Number	0000924442
Instrument Date	Jul 1, 2021
Instrument	924442
Transaction Type	Transfer
Record Updated	Aug 18, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 18TH ST SE, SAINT CLOUD, MN 56304-2242

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 10, 2019
Property Address	1004 18TH ST SE, SAINT CLOUD, MN 56304-2242
Document Number	0000874853
Instrument Date	Jul 8, 2019
Instrument	874853
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	STEARNS COUNTY ABSTRACT & TI

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$626.67
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 18TH ST SE, SAINT CLOUD, MN 56304-2242

Mortgage

Document Number	0000874854
Date	Jul 10, 2019
Instrument	874854

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$3,532.00 (+24.02%)	$262,100 (+1.71%) Land $40,000 Building $222,100	$262,100 (+1.71%) Land $40,000 Building $222,100
2023	$2,848.00	$257,700 Land $30,000 Building $227,700
2021			$257,700 Land $30,000 Building $227,700

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 November 16, 2011 · 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 242 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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