1180 38th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1180 38th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,282 sqft · built 1995
Lot Size	11.9 acres (520,978 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (Jul 2020)
Tax Bill	$3,016 (2025)
Deeds & Mortgages	Jun 2026 Line of Credit Jul 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-419-0010`

Property Details

APN / Parcel Number

Primary APN	`25-419-0010`
Alternative APNs	`25-00419-0010` `17474`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Half Baths	1 Half Bath
Building Area	1,282 sqft Living Area
1st Floor Area	1,282 sqft
Basement Area	1,184 sqft
Finished Basement	1,184 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	520,978 sqft (11.9 acres)
Garage Type	Attached
Garage Area	598 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	50 sqft
Deck Area	344 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	17474
Street Address	1180 38TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9780
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	TRACT A
Legal Range	30W
Legal Township	35N
Legal Section	04
Legal Subdivision	REGISTERED LAND SURVEY NO 3
Legal Tract	A
Legal Lot Number	A
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	30301

Owner

Source: Sherburne County records, as of September 15, 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	1180 38TH AVE SE, SAINT CLOUD, MN 56304-9780
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed of Trust, Mortgage · Line of Credit LAKEVIEW LOAN SERVICING
Jul 13, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL CO
Jan 12, 2017	Warranty Deed, Transfer · VA Mortgage SUPREME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2020 · Amount on Record
Deed Sale	Jul 13, 2020 · Amount on Record
Deed Document Number	202057523
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Recording Date	Jun 12, 2026
Property Address	1180 38TH AVE SE, SAINT CLOUD, MN 56304-9780
Document Number	0000064782
Instrument Date	May 29, 2026
Instrument	202664782
Transaction Type	Mortgage
Record Updated	Jul 10, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 38TH AVE SE, SAINT CLOUD, MN 56304-9780

Mortgage

Document Number	0000064782,
Date	Jun 12, 2026
Instrument	202664782

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 24, 2046

Interest

Rate	6.3%
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 13, 2020
Property Address	1180 38TH AVE SE, SAINT CLOUD, MN 56304-9780
Document Number	0000057523
Instrument Date	Jun 8, 2020
Instrument	57523
Transaction Type	Transfer
Record Updated	Oct 10, 2022

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$940.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 38TH AVE SE, SAINT CLOUD, MN 56304-9780

Mortgage

Document Number	0000057524
Date	Jul 13, 2020
Instrument	57524

Lender

Name	CARDINAL FINANCIAL CO
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

Interest

Rate Type	Fixed Rate

January 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jan 12, 2017
Property Address	1180 38TH AVE SE, SAINT CLOUD, MN 56304-9780
Document Number	0000053274
Instrument Date	Dec 28, 2016
Instrument	53274
Transaction Type	Transfer
Record Updated	Jan 20, 2017
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$733.54
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1180 38TH AVE SE ST CLOUD MN 563049780, ST CLOUD, MN 56304-9780

Mortgage

Document Number	53275,
Date	Jan 12, 2017
Instrument	53275

Lender

Name	SUPREME LNDG
Address	DALLAS, TX 75254

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 11, 2047

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$378,500 (+1.45%) Land $134,900 Building $243,600	$378,500 (+1.45%) Land $134,900 Building $243,600
2025	$3,016.00 (+16.9%)	$373,100 (+8.71%) Land $131,300 Building $241,800	$373,100 (+8.71%) Land $131,300 Building $241,800
2023	$2,580.00	$343,200 Land $124,700 Building $218,500
2021			$343,200 Land $124,700 Building $218,500

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 November 16, 2011 · 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	Moderate above 61% of the US · above 85% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500

May also be available: AT&T.

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