111 2nd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 111 2nd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.098 acres (4,269 sqft)
Owner	Individual Name on Record
Last Sale	$64,900 (Sep 2015)
Tax Bill	$2,070 (2026)
Deeds & Mortgages	Feb 2026 Line of Credit Dec 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00652.00`

Property Details

APN / Parcel Number

Primary APN	`17.00652.00`

Exterior

Lot Area	4,269 sqft (0.098 acres)

Location & Zoning

Street Address	111 2ND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0407
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 RIVER-SIDE LOT-003 BLOCK-008
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	RIVER-SIDE
Legal Block	8
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4036
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	Individual Name on Record
Mailing Address	111 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit THE HUNTINGTON NATIONAL BANK
Dec 18, 2020	Deed of Trust, Mortgage · Conventional Mortgage BAY EQUITY LLC
Apr 19, 2017	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 22, 2015 · Amount on Record
Deed Sale	Sep 22, 2015 · Amount on Record
Prior Sale	Sep 13, 2012 · Amount on Record
Deed Document Number	2015412470
Last Transfer Date	Apr 13, 2017
Transfer Doc	422253
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	111 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Transaction Type	Mortgage
Record Updated	Mar 6, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 2ND AVE NE, SAINT CLOUD, MN 56304-0407

Mortgage

Document Number	0000481844
Date	Feb 13, 2026
Instrument	481844

Lender

Name	THE HUNTINGTON NATIONAL BANK
Type	Bank
Address	COLUMBUS, OH 43231

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Jan 30, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	111 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	LEGACY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	448335
Date	Dec 18, 2020
Instrument	448335

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company
Address	CORTE MADERA, CA 94925

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2051

April 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Apr 19, 2017
Property Address	111 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Document Number	422253
Instrument Date	Apr 13, 2017
Instrument	422253
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$2,070.00 (+14.62%) Homeowner's exemption	$172,700 (+8.41%) Land $25,000 Building $147,700	$172,700 (+8.41%) Land $25,000 Building $147,700
2025	$1,806.00 (+6.24%) Homeowner's exemption	$159,300 (-) Land $25,000 Building $134,300	$159,300 (-) Land $25,000 Building $134,300
2023	$1,700.00	$159,300 Land $25,000 Building $134,300	$159,300 Land $25,000 Building $134,300

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Low lower than 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 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.

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 327 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

May also be available: Intrepid Fiber Networks.

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