Sherburne County property record for 1107 12th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.166 acres (7,250 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (May 2022) |
| Tax Bill | $2,578 (2025) |
| Deeds & Mortgages | Jun 2022 Sale & Mortgage Mar 2021 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-402-9410 |
| Primary APN | 85-402-9410 |
|---|---|
| Alternative APNs |
|
| Lot Area | 7,250 sqft (0.166 acres) |
|---|
| Account Number | 42656 |
|---|---|
| Street Address | 1107 12TH AVE SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-1721 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2, BLK 94 |
| Legal Range | 31W |
| Legal Township | 35N |
| Legal Section | 01 |
| Legal Subdivision | WAITES ADDITION |
| Legal Block | 94 |
| Legal Lot Number | 2 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2046 |
| Census Tract | 31500 |
1107 12th Ave SE is owned and occupied by an individual who bought it in May 2022.
Source: Sherburne County records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1107 12TH AVE SE, SAINT CLOUD, MN 56304-1721 |
| 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 |
|---|---|
| Jun 1, 2022 | Warranty Deed, Transfer · VA Mortgage UNITED WHOLESALE MORTGAGE |
| Mar 30, 2021 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Dec 7, 2020 | Loan Modification, Mortgage · VA Mortgage MR COOPER |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 18, 2022 · Amount on File |
| Deed Sale | May 18, 2022 · Amount on File |
| Prior Sale | Mar 30, 2021 · Amount on File |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Jun 1, 2022 |
| Property Address | 1107 12TH AVE SE, SAINT CLOUD, MN 56304-1721 |
| Document Number | 0000060775 |
| Instrument Date | May 18, 2022 |
| Instrument | 60775 |
| Transaction Type | Transfer |
| Record Updated | Jun 13, 2022 |
| Title Company | EDINA REALTY TITLE, EDINA REALTY TITLE INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1107 12TH AVE SE, SAINT CLOUD, MN 56304-1721 |
| Document Number | 0000060776 |
|---|---|
| Date | Jun 1, 2022 |
| Instrument | 60776 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Jun 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 30, 2021 |
| Property Address | 1107 12TH AVE SE, SAINT CLOUD, MN 56304-1721 |
| Document Number | 0000915570 |
| Instrument Date | Mar 26, 2021 |
| Instrument | 915570 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1107 12TH AVE SE, SAINT CLOUD, MN 56304-1721 |
| Investor | Possibly a Property Investor |
| Document Number | 0000915571 |
|---|---|
| Date | Mar 30, 2021 |
| Instrument | 915571 |
| Name | BELL BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1107 12TH AVE SE, SAINT CLOUD, MN 56304-1721 |
| Document Number | 0000908705 |
| Instrument Date | Dec 7, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Jan 11, 2021 |
| Title Company | CORELOGIC-SOLUTIONS EXPRESS |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1107 12TH AVE SE ST CLOUD MN 563041721, ST CLOUD, MN 56304-1721 |
| Document Number | 0000908705 |
|---|---|
| Date | Dec 30, 2020 |
| Instrument | 908705 |
| Name | MR COOPER |
|---|---|
| Address | COPPELL, TX 75019 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 29, 2050 |
| Rate | 3.37% |
|---|
The 2025 property tax bill for 1107 12th Ave SE was $2,578 with a homeowner's exemption.
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $210,100 (+4.01%) Land $40,000 Building $170,100 | $210,100 (+4.01%) Land $40,000 Building $170,100 | |
| 2025 | $2,578.00 | $202,000 Land $40,000 Building $162,000 | $202,000 Land $40,000 Building $162,000 |
| 2023 | $1,810.00 | $198,800 Land $30,000 Building $168,800 | |
| 2021 | $198,800 Land $30,000 Building $168,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1107 12th Ave SE in Zone X, an area of minimal flood risk.
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 risk around 1107 12th Ave SE is low, with a 0.01% annual chance of 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.
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 329 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 |
| Starlink Satellite | 280 / 30 |
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