1025 22nd St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1025 22nd St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 960 sqft · built 1974
Lot Size	0.4 acres (17,424 sqft)
Owner	Individual Name on Record
Last Sale	$201,000 (Aug 2026)
Tax Bill	$2,722 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-44440-0000`

Property Details

APN / Parcel Number

Primary APN	`82-44440-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Roof Material	Asphalt
Lot Area	17,424 sqft (0.4 acres)
Lot Width	142 ft Width
Garage Area	1,272 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1025 22ND ST S
City	SAINT CLOUD
State	MN
Zip	56301-5821
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 001 BLK 001 BLUMKE ADD SECTION 23 TOWNSHIP 124 RANGE 028 SECTION 23 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	BLUMKE ADD
Legal Block	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1027
Census Tract	301

Owner

Source: Stearns County records, as of August 28, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	1025 22ND ST S, SAINT CLOUD, MN 56301-5821
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 11, 2026 · Amount on Record
Deed Sale	Aug 11, 2026 · Amount on Record
Deed Document Number	202647197
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 11, 2026
Property Address	1025 22ND ST S, SAINT CLOUD, MN 56301-5821
Document Number	0000047197
Instrument Date	Jul 31, 2026
Instrument	202647197
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	STEARNS COUNTY ABSTRACT AND TITLE COMPANY, STEARNS COUNTY ABSTRACT & TITL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$66,993.30
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1025 22ND ST S, SAINT CLOUD, MN 56301-5821

Mortgage

Document Number	0000047198,
Date	Aug 11, 2026
Instrument	202647198

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0000047199,
Date	Aug 11, 2026
Instrument	202647199

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Max Rate	-1%

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	$2,722.00 (+19.6%)	$220,800 (+5.85%) Land $35,000 Building $185,800	$220,800 (+5.85%) Land $35,000 Building $185,800
2025		$208,600 (+1.66%) Land $35,000 Building $173,600	$208,600 (+1.66%) Land $35,000 Building $173,600
2023	$2,276.00	$205,200 Land $35,000 Building $170,200	$205,200 Land $35,000 Building $170,200

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 277 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Xtratyme Technologies.

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