Stearns County property record for 1105 23rd Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,528 sqft · built 1963 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $219,900 (Aug 2026) |
| Tax Bill | $3,220 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Aug 2026 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44977-0000 |
| Primary APN | 82-44977-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,528 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1963 |
|---|---|
| Effective Year Built | Effective 1963 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 1105 23RD AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-2515 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 013 BLOCK 004 OF CENTENNIAL |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 10 |
| Legal Subdivision | CENTENNIAL |
| Legal Block | 4 |
| Legal Lot Number | 13 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2006 |
| Census Tract | 801 |
1105 23rd Ave N is owned by two individuals who bought it in August 2026.
Source: Stearns County records, as of September 17, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 105 23RD AVE N, SAINT CLOUD, MN 56303-4337 |
| 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.
| Date | Document |
|---|---|
| Aug 19, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA |
| Aug 19, 2026 | Quit Claim Deed, Transfer TITLE ESCROW, UNIQUE TITLE AND ESCROW |
| Aug 19, 2026 | Quit Claim Deed, Transfer TITLE ESCROW, UNIQUE TITLE AND ESCROW |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 19, 2026 · Amount on File |
| Deed Sale | Aug 19, 2026 · Amount on File |
| Deed Document Number | 20261719400 |
| Prior Transfer Date | Jul 15, 2026 |
| Prior Transfer Doc | 0001719399 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 19, 2026 |
| Property Address | 1105 23RD AVE N, SAINT CLOUD, MN 56303-2515 |
| Document Number | 0001719400 |
| Instrument Date | Jul 20, 2026 |
| Instrument | 20261719400 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE ESCROW, LINIQUE TITLE AND ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $73,292.67 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 105 23RD AVE N, SAINT CLOUD, MN 56303-4337 |
| Document Number | 0001719401, |
|---|---|
| Date | Aug 19, 2026 |
| Instrument | 20261719401 |
| Name | HOMEOWNERS FINANCIAL GROUP USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 19, 2026 |
| Property Address | 1105 23RD AVE N, SAINT CLOUD, MN 56303-2515 |
| Document Number | 0001719399 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 20261719399 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE ESCROW, UNIQUE TITLE AND ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Limited Liability Partnership |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 19, 2026 |
| Property Address | 1105 23RD AVE N, SAINT CLOUD, MN 56303-2515 |
| Document Number | 0001719398 |
| Instrument Date | Jul 15, 2026 |
| Instrument | 20261719398 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | TITLE ESCROW, UNIQUE TITLE AND ESCROW |
| Amount | Amount on Record |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Partnership |
| Address | 5866 OSTRANDER RD, OAKLAND, CA 94618-2040 |
The 2026 property tax bill for 1105 23rd Ave N was $3,220.
Source: Stearns County assessment roll, as of July 30, 2026
| 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 | $3,220.00 | $238,800 (-) Land $40,000 Building $198,800 | $238,800 (-) Land $40,000 Building $198,800 |
| 2025 | $238,800 Land $40,000 Building $198,800 | $238,800 Land $40,000 Building $198,800 | |
| 2023 | $2,544.00 | $220,700 Land $40,000 Building $180,700 | $220,700 Land $40,000 Building $180,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1105 23rd Ave N in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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 | 1 in force |
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.
The area around 1105 23rd 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 483 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 |
| Verizon Fixed Wireless | 300 / 20 |
| CenturyLink DSL | 140 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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