1030 28th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1030 28th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,306 sqft · built 1959
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$153,000 (Feb 2020)
Tax Bill	$2,788 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Feb 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-51332-0000`

Property Details

APN / Parcel Number

Primary APN	`82-51332-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,306 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Width	60 ft Width
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1030 28TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-2326
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 24 & S1/2 OF LOT 25 BLK 6 SUNNYSIDE ADD ST CLOUD SECTION 10 TOWNSHIP 124 RANGE 028 SUNNYSIDE ADD ST CLOUD SECTION 10
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	SUNNYSIDE ADD ST CLOUD
Legal Block	6
Legal Lot Number	24-25
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2018
Census Tract	701

Owner

Source: Stearns County records, as of August 5, 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	1030 28TH AVE N, SAINT CLOUD, MN 56303-2326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 21, 2026	Deed of Trust, Mortgage · VA Mortgage ROCKET MORTGAGE LLC
Feb 21, 2020	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 21, 2020 · Amount on Record
Deed Sale	Feb 21, 2020 · Amount on Record
Deed Document Number	20201563425
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jul 21, 2026
Property Address	1030 28TH AVE N, SAINT CLOUD, MN 56303-2326
Document Number	0001717519
Instrument Date	Jul 15, 2026
Instrument	20261717519
Transaction Type	Mortgage
Record Updated	Aug 5, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1030 28TH AVE N, SAINT CLOUD, MN 56303-2326

Mortgage

Document Number	0001717519,
Date	Jul 21, 2026
Instrument	20261717519

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Adjustable Rate
Rate	6.47%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 21, 2020
Property Address	1030 28TH AVE N, SAINT CLOUD, MN 56303-2326
Document Number	00A1563425
Instrument Date	Dec 27, 2019
Instrument	A1563425
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1030 28TH AVE N, SAINT CLOUD, MN 56303-2326

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	$2,788.00 (+24.13%)	$212,000 (-) Land $25,000 Building $187,000	$212,000 (-) Land $25,000 Building $187,000
2025		$212,000 (+4.38%) Land $25,000 Building $187,000	$212,000 (+4.38%) Land $25,000 Building $187,000
2023	$2,246.00	$203,100 Land $25,000 Building $178,100	$203,100 Land $25,000 Building $178,100

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 443 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
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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