106 7th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 106 7th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Commercial
Lot Size	0.293 acres (12,802 sqft)
Owner	Company Name on Record
Last Sale	$615,000 (Feb 2022)
Tax Bill	$12,832 (2026)
Deeds & Mortgages	Jun 2022 Mortgage Feb 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00284.00`

Property Details

APN / Parcel Number

Primary APN	`17.00284.00`

Interior

Units	15 Units

Exterior

Lot Area	12,802 sqft (0.293 acres)

Location & Zoning

Street Address	106 7TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-001 BLOCK-020 & LOT 2 BLK 20 VALUE INCL FROM 17.00515.00
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	20
Legal Lot Number	1-2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5006
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	146 LINCOLN AVE NE, SAINT CLOUD, MN 56304-0538
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2022	Deed of Trust, Mortgage · SBA Mortgage MINNESOTA BUSINESS FINANCE CORP
Feb 24, 2022	Warranty Deed, Transfer · Commercial Mortgage FALCON NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 24, 2022 · Amount on Record
Deed Sale	Feb 24, 2022 · Amount on Record
Prior Sale	Oct 2, 2019 · Amount on Record
Deed Document Number	2022458984
Prior Transfer Date	Apr 17, 2006
Prior Transfer Doc	0001338906
Record Updated	Sep 20, 2026

June 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	106 7TH AVE NE, SAINT CLOUD, MN 56304
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000460914
Date	Jun 1, 2022
Instrument	460914

Lender

Name	MINNESOTA BUSINESS FINANCE CORP
Type	Lending Institution
Address	SAINT CLOUD, MN 56301

Agreement

Type	SBA Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Jul 1, 2042

February 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 24, 2022
Property Address	106 7TH AVE NE, SAINT CLOUD, MN 56304
Document Number	0000458984
Instrument Date	Feb 23, 2022
Instrument	458984
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	KNIGHT BARRY TTL UNITED LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$2,029.50
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	675 CRESCENT ST NE # AE, AE, SAINT CLOUD, MN 56304-0517

Mortgage

Document Number	0000458988
Date	Feb 24, 2022
Instrument	458988

Lender

Name	FALCON NATIONAL BANK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	6 Months
Due	Aug 23, 2022

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$12,832.00 (+10.66%)	$402,400 (-) Land $50,400 Building $352,000	$402,400 (-) Land $50,400 Building $352,000
2025	$11,596.00 (+23.34%)	$402,400 (+9.8%) Land $50,400 Building $352,000	$402,400 (+9.8%) Land $50,400 Building $352,000
2023	$9,402.00	$366,500 Land $50,400 Building $316,100	$366,500 Land $50,400 Building $316,100

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 July 29, 2019

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink.

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