Stearns County property record for 109 15th Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 980 sqft · built 1928 |
| Lot Size | 0.17 acres (7,405 sqft) |
| Owner | Individual Name on File |
| Last Sale | $98,000 (Sep 2018) |
| Tax Bill | $1,376 (2026) |
| Deeds & Mortgages | Apr 2019 Sale Sep 2018 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-49986-0000 |
| Primary APN | 82-49986-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 1 Story |
| Building Area | 980 sqft Living Area |
| Interior Walls | Plaster |
| Year Built | Built 1928 |
|---|---|
| Effective Year Built | Effective 1928 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 7,405 sqft (0.17 acres) |
| Lot Width | 60 ft Width |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 109 15TH AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-4529 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 7 & 8 BLK 2 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 | 2 |
| Legal Lot Number | 7-8 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2027 |
| Census Tract | 602 |
109 15th Ave N is owned and occupied by an individual who acquired it in April 2019.
Source: Stearns County records, as of April 21, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 109 15TH AVE N, SAINT CLOUD, MN 56303-4529 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 26, 2019 | Deed, Transfer |
| Sep 14, 2018 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 14, 2018 · Amount on File |
| Deed Sale | Sep 14, 2018 · Amount on File |
| Prior Sale | Aug 19, 2016 · Amount on File |
| Deed Document Number | 20181529229 |
| Last Transfer Date | Apr 8, 2019 |
| Transfer Doc | 00A1542343 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Apr 26, 2019 |
| Property Address | 109 15TH AVE N, SAINT CLOUD, MN 56303-4529 |
| Document Number | 00A1542343 |
| Instrument Date | Apr 8, 2019 |
| Instrument | A1542343 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 14, 2018 |
| Property Address | 109 15TH AVE N, SAINT CLOUD, MN 56303-4529 |
| Document Number | 00A1529229 |
| Instrument Date | Aug 13, 2018 |
| Instrument | A1529229 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 109 15TH AVE N, SAINT CLOUD, MN 56303-4529 |
The 2026 property tax bill for 109 15th Ave N was $1,376 with a homeowner's exemption.
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,376.00 | ||
| 2025 | $124,700 Land $30,000 Building $94,700 | $124,700 Land $30,000 Building $94,700 | |
| 2023 | $1,144.00 | $122,800 Land $25,000 Building $97,800 | $122,800 Land $25,000 Building $97,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 109 15th 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.
The area around 109 15th 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.
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 |
| 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.
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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