10653 7th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 10653 7th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,214 sqft · built 1997
Lot Size	5 acres (217,800 sqft)
Owner	2 Individual Names on Record
Tax Bill	$4,532 (2025)
Deeds & Mortgages	Sep 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-003-2113`

Property Details

APN / Parcel Number

Primary APN	`40-003-2113`
Alternative APNs	`40-00003-2113` `22704`

Interior

Bedrooms	4 Beds
Building Area	2,214 sqft Living Area
1st Floor Area	2,214 sqft
Basement Area	1,375 sqft
Finished Basement	1,375 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	217,800 sqft (5 acres)
Garage Type	Mixed
Garage Area	2,037 sqft
Driveway	Driveway
Deck Area	298 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	22704
Street Address	10653 7TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-9443
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	PARCEL L THAT PART OF THE W 320.04 FT O F THE E 1918.48 FT OF THE N 1-2 OF THE NW 1-4 OF SECT 3 THAT LIES S OF A LINE DESC A
Legal Range	29W
Legal Township	35N
Legal Section	03
Jurisdiction	SHERBURNE MN
Township / Civil Division	PALMER
Census Block Group	2
Census Block	2000
Census Tract	30301

Owner

Source: Sherburne County records, as of September 15, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	10653 7TH ST SE, SAINT CLOUD, MN 56304-9443
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Oct 29, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	10653 7TH ST SE, SAINT CLOUD, MN 56304-9443
Transaction Type	Mortgage
Record Updated	Oct 13, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000928393
Date	Sep 23, 2021
Instrument	928393

Lender

Name	BREMER BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Palmer Township
Unified School District	Foley Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$524,100 (+0.69%) Land $136,300 Building $387,800	$524,100 (+0.69%) Land $136,300 Building $387,800
2025	$4,532.00 (+13.64%)	$520,500 (+6.59%) Land $132,900 Building $387,600	$520,500 (+6.59%) Land $132,900 Building $387,600
2023	$3,988.00	$488,300 Land $119,500 Building $368,800
2021			$488,300 Land $119,500 Building $368,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2022–2023)
Most Recent Claim	Apr 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2023 · 2 claims Severe Storms, Straight-line Winds, And Flooding, May 2022 · 3 claims

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.

Wildfire

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

Wildfire Risk	Moderate above 47% of the US · above 77% of Minnesota
Wildfire Likelihood	0.09% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Benton Cooperative Telephone Company Fiber	250 / 250