Benton County property record for 1015 45th Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.155 acres (6,758 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $224,900 (Nov 2020) |
| Tax Bill | $10 (2026) |
| Deeds & Mortgages | Sep 2022 Line of Credit Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02488.00 |
| Primary APN | 17.02488.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 6,758 sqft (0.155 acres) |
| Street Address | 1015 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-004 BLOCK-003 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 28 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Block | 3 |
| Legal Lot Number | 4 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2069 |
| Census Tract | 20300 |
Source: Benton County records, as of July 16, 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 | 1015 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 20, 2022 | Deed of Trust, Mortgage · Line of Credit STEARNS BANK NA |
| Nov 5, 2020 | Warranty Deed, Subdivision Related Transfer · VA Mortgage WELLS FARGO BANK NA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 5, 2020 · Amount on Record |
| Deed Sale | Nov 5, 2020 · Amount on Record |
| Deed Document Number | 2020447216 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 1015 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|---|
| Address | 1015 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Document Number | 0000462922 |
|---|---|
| Date | Sep 20, 2022 |
| Instrument | 462922 |
| Name | STEARNS BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, MN 56302 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 59 Months |
| Due | Aug 15, 2027 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Nov 5, 2020 |
| Property Address | 1015 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Document Number | 447216 |
| Instrument Date | Oct 29, 2020 |
| Instrument | 447216 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Aug 9, 2021 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $742.17 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1015 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Document Number | 447217 |
|---|---|
| Date | Nov 5, 2020 |
| Instrument | 447217 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
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 | $10.00 Homeowner's exemption | $268,900 (-) Land $30,000 Building $238,900 | $268,900 (-) Land $30,000 Building $238,900 |
| 2023 | $10.00 | $268,900 Land $30,000 Building $238,900 | $268,900 Land $30,000 Building $238,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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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