113 2nd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 113 2nd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.098 acres (4,269 sqft)
Owner	2 Individual Names on Record
Last Sale	$121,000 (Apr 2024)
Tax Bill	$1,080 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Jan 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00653.00`

Property Details

APN / Parcel Number

Primary APN	`17.00653.00`

Exterior

Lot Area	4,269 sqft (0.098 acres)

Location & Zoning

Street Address	113 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-004 BLOCK-008
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	RIVER-SIDE
Legal Block	8
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	113 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 26, 2024	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jan 28, 2022	Deed of Trust, Mortgage · Line of Credit ALERUS FINANCIAL NA
Jul 23, 2019	Intrafamily Transfer, Transfer · Conventional Mortgage LEADER ONE FINANCIAL CORP
Feb 21, 2019	Warranty Deed, Transfer MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 26, 2024 · Amount on Record
Deed Sale	Apr 26, 2024 · Amount on Record
Prior Sale	Feb 21, 2019 · Amount on Record
Deed Document Number	2024471448
Prior Transfer Date	Jul 19, 2019
Prior Transfer Doc	0000437117
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 26, 2024
Property Address	113 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Document Number	0000471448
Instrument Date	Apr 19, 2024
Instrument	471448
Transaction Type	Transfer
Record Updated	May 16, 2024
Title Company	K2 TITLE CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$399.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	113 2ND AVE NE, SAINT CLOUD, MN 56304-0407

Mortgage

Document Number	0000471449
Date	Apr 26, 2024
Instrument	471449

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Mortgage

Document Number	0000471450
Date	Apr 26, 2024
Instrument	471450

Lender

Name	THE HOUSING AND REDEVELOPMENT AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	113 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12403 73RD ST NE, NOWTHEN, MN 55330-5058

Mortgage

Document Number	0000458436
Date	Jan 28, 2022
Instrument	458436

Lender

Name	ALERUS FINANCIAL NA
Type	Bank
Address	GRAND FORKS, ND 58201

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	180 Months
Due	Jan 19, 2037

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Jul 23, 2019
Property Address	113 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Document Number	0000437117
Instrument Date	Jul 19, 2019
Instrument	437117
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12403 73RD ST NE, OTSEGO, MN 55330-5058

Mortgage

Document Number	0000437118
Date	Jul 23, 2019
Instrument	437118

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2049

February 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 21, 2019
Property Address	113 2ND AVE NE, SAINT CLOUD, MN 56304-0407
Document Number	0000434366
Instrument Date	Feb 15, 2019
Instrument	434366
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Tax	$214.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12403 73RD ST NE, OTSEGO, MN 55330-5058

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	$1,080.00 (-14.96%) Homeowner's exemption	$111,800 (+12.93%) Land $25,000 Building $86,800	$111,800 (+12.93%) Land $25,000 Building $86,800
2023	$1,270.00	$99,000 Land $25,000 Building $74,000	$99,000 Land $25,000 Building $74,000

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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