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1015 7th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1015 7th St N, Saint Cloud, MN 56303

Property Summary

Property TypeTriplex
Details5 bd · 2 ba · 2,787 sqft · built 1933
Lot Size0.16 acres (6,970 sqft)
OwnerIndividual Name on File
Last Sale$345,000 (Jun 2025)
Tax Bill$3,784 (2026)
Deeds & MortgagesJun 2026 Mortgage
May 2021 Sale
Flood ZoneZone X (minimal risk)
APN82-48238-0000

Property Details

APN / Parcel Number

Primary APN82-48238-0000

Interior

Bedrooms5 Beds
Full Baths2 Baths
Total Rooms8 Rooms
Stories2 Stories
Building Area2,787 sqft Living Area
1st Floor Area1,326 sqft
Interior WallsPlaster

Exterior

Year BuiltBuilt 1933
Effective Year BuiltEffective 1933
Architectural StyleTriplex
Exterior MaterialAluminum/Vinyl
Roof MaterialAsphalt
Lot Area6,970 sqft (0.16 acres)
Lot Width54 ft Width
Garage Area484 sqft
Parking Spaces2 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating FuelGas

Location & Zoning

Street Address1015 7TH ST N
CitySAINT CLOUD
StateMN
Zip56303-3415
Property CategoryResidential
Property TypeResidential > Multi-Unit > Triplex
Local Zoning CodeR5
Legal DescriptionS'LY 46' OF W1/2 OF BLK LYING WLY OF BLK 78 OF LOWRYS ADD & N7.5' OF VAC 7TH ST N NORTH ABUTTING SD LOT LOWRY'S ADD SECTION
Legal Range28W
Legal Township124
Legal Section11
Legal SubdivisionLOWRYS ADD
Legal Block78
JurisdictionSTEARNS MN
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1025
Census Tract801

Owner

Source: Stearns County assessment roll, APN 82-48238-0000, as of November 6, 2025 · Last verified July 2026

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

Owner of RecordIndividual Name on File
Mailing Address9372 WATAB DR, SAINT JOSEPH, MN 56374-9767
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2026Deed of Trust, Mortgage · Conventional Mortgage
JPMORGAN CHASE BANK
May 19, 2021Warranty Deed, Transfer
INTEGRITY TITLE

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 24, 2025 · Amount on Record
Deed SaleJun 24, 2025 · Amount on Record
Prior SaleJun 13, 2025 · Amount on Record
Deed Document Number20251694531
Prior Transfer DateJun 11, 2025
Prior Transfer Doc00A1694529
Record UpdatedSep 20, 2026

June 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEARNS MN
Recording DateJun 29, 2026
Property Address1015 7TH ST N, SAINT CLOUD, MN 56303-3415
Document Number0001715929
Instrument DateJun 24, 2026
Instrument20261715929
Transaction TypeMortgage
Record UpdatedJul 22, 2026
Title CompanyNONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

NameVerified Name
Address6290 YUCCA LN N, MAPLE GROVE, MN 55311-4264
InvestorPossibly a Property Investor

Mortgage

Document Number0001715929,
DateJun 29, 2026
Instrument20261715929
Lender
NameJPMORGAN CHASE BANK
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJul 01, 2041
Interest
Rate TypeFixed Rate
Rate5.87%
Initial TypeFixed Rate
Max Rate-1%

May 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTEARNS MN
Recording DateMay 19, 2021
Property Address1015 7TH ST N, SAINT CLOUD, MN 56303-3415
Document Number00A1603306
Instrument DateMay 14, 2021
InstrumentA1603306
Transaction TypeTransfer
Record UpdatedAug 18, 2022
Title CompanyINTEGRITY TITLE

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address8014 HIGHWAY 55 # 213, 213, GOLDEN VALLEY, MN 55427-4712

Tax Assessment & Valuation

Source: Stearns County assessment roll as of November 6, 2025 · Last verified July 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyStearns County
MunicipalitySt. Cloud City
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

YearTax BillAssessed ValueAssessed Market Value
2026$3,784.00 (+25.22%)
2025$206,200 (+12.55%) Land $30,000 Building $176,200$206,200 (+12.55%) Land $30,000 Building $176,200
2024$3,022.00 (+0.8%)
2023$2,998.00$183,200 Land $30,000 Building $153,200$183,200 Land $30,000 Building $153,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), as of September 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, 546 locations within half a mile, as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
BIF IV Intrepid HoldCo
Fiber		2,000 / 2,000
Spectrum
Cable		1,000 / 1,000
Lumen Technologies
DSL		140 / 20
AT&T
Fixed Wireless		100 / 20

May also be available: Verizon.

Drinking Water

Source: EPA Safe Drinking Water Information System, water system MN1730027, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSaint Cloud
serves 71,321 people
Water SourceSurface water
Last State InspectionAug 2025
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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