1020 8th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1020 8th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.166 acres (7,250 sqft)
Owner	Individual Name on File
Last Sale	$159,900 (May 2026)
Tax Bill	$1,886 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage Jun 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-402-5345`

Property Details

APN / Parcel Number

Primary APN	`85-402-5345`
Alternative APNs	`85-00402-5345` `42575`

Exterior

Lot Area	7,250 sqft (0.166 acres)

Location & Zoning

Street Address	1020 8TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1600
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 11, BLK 53
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	WAITE'S ADDITION
Legal Block	53
Legal Lot Number	11
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2050
Census Tract	31500

Owner

1020 8th Ave SE is owned and occupied by an individual who bought it in May 2026.

Source: Sherburne County records, as of June 30, 2026

Owner of Record	Individual Name on File
Mailing Address	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600
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.

Deeds, Mortgages & Sale History

Date	Document
May 20, 2026	Warranty Deed, Transfer · FHA Mortgage NEW AMERICAN FUNDING
Jun 8, 2021	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE
Jun 12, 2019	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 20, 2026 · Amount on File
Deed Sale	May 20, 2026 · Amount on File
Prior Sale	Jun 8, 2021 · Amount on File
Deed Document Number	2026997767
Prior Transfer Date	Sep 13, 2013
Prior Transfer Doc	0000778787
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 20, 2026
Property Address	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600
Document Number	0000997767
Instrument Date	May 14, 2026
Instrument	2026997767
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$53,294.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600

Mortgage

Document Number	0000997768,
Date	May 20, 2026
Instrument	2026997768

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	301 Months
Due	Jun 1, 2051

Interest

Rate	6.37%
Max Rate	-1%

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 8, 2021
Property Address	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600
Document Number	0000920752
Instrument Date	May 26, 2021
Instrument	920752
Transaction Type	Transfer
Record Updated	Dec 12, 2024
Title Company	SHERBURNE COUNTY ABSTRACT &

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$412.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600

Mortgage

Document Number	0000920753
Date	Jun 8, 2021
Instrument	920753

Lender

Name	SUMMIT MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount on Record

Mortgage

Document Number	0000920754
Date	Jun 8, 2021
Instrument	920754

Lender

Name	SUMMIT MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2051

Interest

Rate Type	Fixed Rate

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 12, 2019
Property Address	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600
Document Number	0000873333
Instrument Date	Jun 4, 2019
Instrument	873333
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$366.30
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	1020 8TH AVE SE, SAINT CLOUD, MN 56304-1600

Mortgage

Document Number	0000873334
Date	Jun 12, 2019
Instrument	873334

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1020 8th Ave SE was $1,886.

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	$1,886.00	$128,600 Land $40,000 Building $88,600	$128,600 Land $40,000 Building $88,600
2023	$1,536.00	$128,600 Land $30,000 Building $98,600
2021			$128,600 Land $30,000 Building $98,600

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

Flood

FEMA maps place 1020 8th Ave SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

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

Wildfire

Wildfire risk around 1020 8th Ave SE is low, with a 0.01% annual chance of 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 356 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.

Nearby Properties on 8th Ave SE

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