1017 13th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1017 13th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,040 sqft · built 1968
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$115,000 (Apr 2019)
Tax Bill	$6,306 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Apr 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-48827-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48827-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Width	58 ft Width
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	1017 13TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-5448
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	ALL OF LOT 9 & S 15' OF LOT 10 BLK 5 NORMAL PARK ADD SECTION 14 TOWNSHIP 124 RANGE 028 NORMAL PARK ADD SECTION 14 TOWNSHIP
Legal Range	28W
Legal Township	124
Legal Section	14
Legal Subdivision	NORMAL PARK ADD
Legal Block	5
Legal Lot Number	9-10
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1023
Census Tract	301

Owner

Source: Stearns County records, as of July 30, 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	1017 13TH ST S, SAINT CLOUD, MN 56301-5448
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN
Apr 9, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2019 · Amount on Record
Deed Sale	Apr 9, 2019 · Amount on Record
Deed Document Number	20191541259
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jun 5, 2026
Property Address	1017 13TH ST S, SAINT CLOUD, MN 56301-5448
Document Number	0001714515
Instrument Date	Apr 13, 2026
Instrument	20261714515
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 13TH ST S, SAINT CLOUD, MN 56301-5448

Mortgage

Document Number	0001714515,
Date	Jun 5, 2026
Instrument	20261714515

Lender

Name	SECRETARY OF HOUSING AND URBAN DEVELOPMEN

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	275 Months
Due	May 1, 2049

Interest

Rate	6.11%
Max Rate	-1%

April 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 9, 2019
Property Address	1017 13TH ST S, SAINT CLOUD, MN 56301-5448
Document Number	00A1541259
Instrument Date	Apr 1, 2019
Instrument	A1541259
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1017 13TH ST S, SAINT CLOUD, MN 56301-5448

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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
2026	$6,306.00 (+105.01%)	$198,900 (+6.08%) Land $25,000 Building $173,900	$198,900 (+6.08%) Land $25,000 Building $173,900
2025		$187,500 (+1.74%) Land $25,000 Building $162,500	$187,500 (+1.74%) Land $25,000 Building $162,500
2023	$3,076.00	$184,300 Land $25,000 Building $159,300	$184,300 Land $25,000 Building $159,300

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 September 29, 2024 · 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	0.01% annual chance
Exposure	None beyond ember reach

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 470 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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