1114 13th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1114 13th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Duplex
Details	6 bd · 3 ba · 1,920 sqft · built 1965
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$154,500 (Sep 2019)
Tax Bill	$4,390 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Sep 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-50730-0000`

Property Details

APN / Parcel Number

Primary APN	`82-50730-0000`

Interior

Bedrooms	6 Beds
Full Baths	3 Baths
Half Baths	2 Half Baths
Total Rooms	10 Rooms
Stories	2 Stories
Building Area	1,920 sqft Living Area
1st Floor Area	960 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1965
Effective Year Built	Effective 1965
Architectural Style	Duplex Single
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Width	73 ft Width

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	1114 13TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-5402
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R2
Legal Description	LOT 019 BLK 002 SILVER BIRCH COURT SECTION 14 TOWNSHIP 124 RANGE 028 SECTION 14 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	14
Legal Subdivision	SILVER BIRCH COURT
Legal Block	2
Legal Lot Number	19
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1030
Census Tract	301

Owner

Source: Stearns County records, as of April 21, 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	1114 13TH ST S, SAINT CLOUD, MN 56301-5402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 7, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Sep 11, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 11, 2019 · Amount on Record
Deed Sale	Sep 11, 2019 · Amount on Record
Prior Sale	Jul 2, 2015 · Amount on Record
Deed Document Number	20191552336
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Aug 7, 2026
Property Address	1114 13TH ST S, SAINT CLOUD, MN 56301-5402
Document Number	0001718721
Instrument Date	Jul 15, 2026
Instrument	20261718721
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 13TH ST S, SAINT CLOUD, MN 56301-5402

Mortgage

Document Number	0001718721,
Date	Aug 7, 2026
Instrument	20261718721

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	277 Months
Due	Sep 1, 2049

Interest

Max Rate	-1%

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 11, 2019
Property Address	1114 13TH ST S, SAINT CLOUD, MN 56301-5402
Document Number	00A1552336
Instrument Date	Aug 23, 2019
Instrument	A1552336
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1114 13TH ST S, SAINT CLOUD, MN 56301-5402

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$4,390.00 (+90.37%)
2025		$215,200 (+12.26%) Land $35,000 Building $180,200	$215,200 (+12.26%) Land $35,000 Building $180,200
2023	$2,306.00	$191,700 Land $35,000 Building $156,700	$191,700 Land $35,000 Building $156,700

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 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.

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	Direct burnable vegetation

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 470 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
AT&T Fixed Wireless	100 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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