Benton County property record for 1025 45th Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.12 acres (5,240 sqft) |
| Owner | Individual Name on File |
| Last Sale | $267,451 (Oct 2021) |
| Tax Bill | $4,162 (2026) |
| Deeds & Mortgages | Oct 2021 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02472.00 |
| Primary APN | 17.02472.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 5,240 sqft (0.12 acres) |
| Street Address | 1025 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-005 BLOCK-001 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 28 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20300 |
1025 45th Ave NE is owned and occupied by an individual who bought it in October 2021.
Source: Benton County records, as of July 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1025 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Oct 1, 2021 · Amount on File |
| Deed Sale | Oct 1, 2021 · Amount on File |
| Deed Document Number | 2021455759 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 1, 2021 |
| Property Address | 1025 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Document Number | 0000455759 |
| Instrument Date | Sep 30, 2021 |
| Instrument | 455759 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $882.59 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1025 45TH AVE NE, SAINT CLOUD, MN 56304-4667 |
| Document Number | 0000455760 |
|---|---|
| Date | Oct 1, 2021 |
| Instrument | 455760 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2051 |
The 2026 property tax bill for 1025 45th Ave NE was $4,162 with a homeowner's exemption.
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 | $4,162.00 Homeowner's exemption | $273,600 Land $30,000 Building $243,600 | $273,600 Land $30,000 Building $243,600 |
| 2023 | $3,498.00 | $262,000 Land $30,000 Building $232,000 | $262,000 Land $30,000 Building $232,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1025 45th Ave NE in Zone X, an area of minimal flood risk.
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.
Wildfire risk around 1025 45th Ave NE is low, with a 0.05% annual chance of wildfire.
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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