1051 7th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1051 7th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Commercial
Lot Size	1.11 acres (48,352 sqft)
Owner	Company Name on Record
Last Sale	$820,000 (Aug 2022)
Tax Bill	$22,704 (2025)
Deeds & Mortgages	Feb 2024 Sale Jul 2020 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`85-452-0105`

Property Details

APN / Parcel Number

Primary APN	`85-452-0105`
Alternative APNs	`85-00452-0105` `43391`

Exterior

Lot Area	48,352 sqft (1.11 acres)

Location & Zoning

Street Address	1051 7TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1500
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	LOT 1, BLK 1
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	STRACK YOUNG ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	31500

Owner

Source: Sherburne County records, as of August 4, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	1402 41ST ST N, FARGO, ND 58102-2823
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Feb 9, 2024	Lease, Transfer TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT
Jul 2, 2020	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN HERITAGE NATL BANK
Aug 11, 2022	Warranty Deed, Transfer · Line of Credit BELL BANK
Aug 11, 2022	Warranty Deed, Transfer QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC
Jul 6, 2020	Grant Deed, Transfer · Line of Credit AMERICAN HERITAGE BK
Jul 23, 2018	Deed of Trust, Mortgage AMERICAN HERITAGE BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 10, 2022 · Amount on Record
Deed Sale	Aug 10, 2022 · Amount on Record
Deed Document Number	20221451963
Record Updated	Sep 20, 2026

February 2024: Lease, Transfer

Document Type	Lease
Jurisdiction	SHERBURNE MN
Recording Date	Feb 9, 2024
Property Address	1051 7TH ST SE, SAINT CLOUD, MN 56304-1500
Document Number	0000966384
Instrument Date	Feb 2, 2024
Instrument	966384
Transaction Type	Transfer
Record Updated	Feb 21, 2024
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

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

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1051 7TH ST SE, SAINT CLOUD, MN 56304-1500
Transaction Type	Mortgage
Record Updated	Aug 17, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000894957
Date	Jul 2, 2020
Instrument	894957

Lender

Name	AMERICAN HERITAGE NATL BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 11, 2022
Property Address	1051 7TH ST SE, SAINT CLOUD, MN 56304-1500
Document Number	0000946864
Instrument Date	Aug 10, 2022
Instrument	946864
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,706.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2902 28TH AVE S, FARGO, ND 58103-5076

Mortgage

Document Number	0000946865
Date	Aug 11, 2022
Instrument	946865

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	9 Months
Due	May 10, 2023

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 11, 2022
Property Address	1051 7TH ST SE, SAINT CLOUD, MN 56304-1500
Document Number	0000946863
Instrument Date	Aug 10, 2022
Instrument	946863
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Tax	$1,386.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2300 6TH ST N, SAINT CLOUD, MN 56303-3206

July 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 6, 2020
Property Address	1051 7TH ST SE, SAINT CLOUD, MN 56304-1500
Document Number	0000895069
Instrument Date	Jul 1, 2020
Instrument	895069
Transaction Type	Transfer
Record Updated	Aug 14, 2020
Title Company	ATTORNEY ONLY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,386.00
Amount Accuracy	Confirmed

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2300 6TH ST N ST CLOUD MN 563033206, ST CLOUD, MN 56303-3206

Mortgage

Document Number	894957
Date	Jul 6, 2020
Instrument	894957

Lender

Name	AMERICAN HERITAGE BK
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1051 7TH ST SE, SAINT CLOUD, MN 56304-1500
Document Number	0000894770
Instrument Date	Jul 23, 2018
Transaction Type	Mortgage
Record Updated	Aug 12, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	PO BOX 668 ST CLOUD MN 563020668, ST CLOUD, MN 56302-0668

Mortgage

Document Number	0000894770
Date	Jun 30, 2020
Instrument	894770

Lender

Name	AMERICAN HERITAGE BK
Type	Bank
Address	ST CLOUD, MN 56302-0160

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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		$727,000 (-) Land $109,000 Building $618,000	$727,000 (-) Land $109,000 Building $618,000
2025	$22,704.00 (+100.74%)	$727,000 (+13.45%) Land $109,000 Building $618,000	$727,000 (+13.45%) Land $109,000 Building $618,000
2023	$11,310.00	$640,800 Land $109,000 Building $531,800
2021			$640,800 Land $109,000 Building $531,800

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 November 16, 2011

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	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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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