1045 Borgert Ave, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1045 Borgert Ave, Saint Cloud, MN 56303 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,590 sqft · built 1973
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (Apr 2024)
Tax Bill	$4,092 (2026)
Deeds & Mortgages	Apr 2024 Sale Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-45050-0000`

Property Details

APN / Parcel Number

Primary APN	`82-45050-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,590 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Lot Width	90 ft Width
Garage Area	710 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1045 BORGERT AVE
City	SAINT CLOUD
State	MN
Zip	56303-2525
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 049 BLK 006 CENTENNIAL SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTENNIAL
Legal Block	6
Legal Lot Number	49
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	801

Owner

Source: Stearns County records · APN 82-45050-0000

Assessment roll updated July 30, 2026 · Last verified August 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 File
Mailing Address	1045 BORGERT AVE, SAINT CLOUD, MN 56303-2525
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 18, 2024	Warranty Deed, Transfer ANCONA TITLE, ANCONA TITLE ESCROW
Nov 21, 2022	Deed, Transfer
Aug 08, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 11, 2024 · Amount on Record
Deed Sale	Apr 11, 2024 · Amount on Record
Deed Document Number	20241638391
Last Transfer Date	Mar 10, 2025
Transfer Doc	00A1688389
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 18, 2024
Property Address	1045 BORGERT AVE, SAINT CLOUD, MN 56303-2525
Document Number	00A1670694
Instrument Date	Apr 11, 2024
Instrument	A1670694
Transaction Type	Transfer
Record Updated	May 14, 2024
Title Company	ANCONA TITLE, ANCONA TITLE ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4863 N VILLAGE LN # B, B, BELLINGHAM, WA 98226-8007

November 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 21, 2022
Property Address	1045 BORGERT AVE, SAINT CLOUD, MN 56303-2525
Document Number	00A1644797
Instrument Date	Nov 15, 2022
Instrument	A1644797
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 08, 2022
Property Address	1045 BORGERT AVE, SAINT CLOUD, MN 56303-2525
Document Number	00A1638292
Instrument Date	Aug 03, 2022
Instrument	A1638292
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1045 BORGERT AVE, SAINT CLOUD, MN 56303-2525

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,092.00 (+48.91%)	$274,200 (-) Land $40,000 Building $234,200	$274,200 (-) Land $40,000 Building $234,200
2025		$274,200 (+16.19%) Land $40,000 Building $234,200	$274,200 (+16.19%) Land $40,000 Building $234,200
2023	$2,748.00	$236,000 Land $40,000 Building $196,000	$236,000 Land $40,000 Building $196,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450008012, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearby Flood Policies	1 in force

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 443 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
BIF IV Intrepid HoldCo	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Spectrum, Lumen Technologies. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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