105 14th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 105 14th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,786 sqft · built 1920
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$215,000 (Aug 2026)
Tax Bill	$2,502 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-49970-0000`

Property Details

APN / Parcel Number

Primary APN	`82-49970-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,786 sqft Living Area
1st Floor Area	962 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	8,712 sqft (0.2 acres)
Lot Width	66 ft Width
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	105 14TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-4523
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	N1/2 OF LOT A BLK 1 PLATTES 2ND ADD SECTION 14 TOWNSHIP 124 RANGE 028 PLATTES 2ND ADD SECTION 14 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	14
Legal Subdivision	PLATTES 2ND ADD
Legal Block	1
Legal Lot Number	A
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2029
Census Tract	602

Owner

105 14th Ave N is owned by two individuals who bought it in August 2026.

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

Owner of Record	2 Individual Names on File
Mailing Address	16956 COUNTY ROAD 75 NW, CLEARWATER, MN 55320-2127
Owner Type	Individual
Vesting	Joint Tenants

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
Aug 10, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE CREDIT UNION
Oct 25, 2023	Warranty Deed, Transfer
Nov 8, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Prior Sale	Apr 18, 2023 · Amount on File
Deed Document Number	20261718815
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 10, 2026
Property Address	105 14TH AVE N, SAINT CLOUD, MN 56303-4523
Document Number	0001718815
Instrument Date	Aug 7, 2026
Instrument	20261718815
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71,659.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	16956 COUNTY ROAD 75 NW, CLEARWATER, MN 55320-2127

Mortgage

Document Number	0001718816,
Date	Aug 10, 2026
Instrument	20261718816

Lender

Name	STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2056

Interest

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

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 25, 2023
Property Address	105 14TH AVE N, SAINT CLOUD, MN 56303-4523
Document Number	00A1662361
Instrument Date	Apr 18, 2023
Instrument	A1662361
Transaction Type	Transfer
Record Updated	Nov 20, 2023

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	105 14TH AVE N, SAINT CLOUD, MN 56303-4523

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 8, 2019
Property Address	105 14TH AVE N, SAINT CLOUD, MN 56303-4523
Document Number	00A1556542
Instrument Date	Oct 29, 2019
Instrument	A1556542
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	105 14TH AVE N, SAINT CLOUD, MN 56303-4523

Tax Assessment & Valuation

The 2026 property tax bill for 105 14th Ave N was $2,502.

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	$2,502.00	$194,900 (-) Land $30,000 Building $164,900	$194,900 (-) Land $30,000 Building $164,900
2025		$194,900 Land $30,000 Building $164,900	$194,900 Land $30,000 Building $164,900
2023	$2,030.00	$187,000 Land $30,000 Building $157,000	$187,000 Land $30,000 Building $157,000

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

Flood

FEMA maps place 105 14th Ave N in Zone X, an area of minimal flood risk.

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

The area around 105 14th Ave N has no burnable land within ember reach, so its wildfire risk is not rated.

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 327 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Xtratyme Technologies.

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