12 Lindsay Ct, Saint Cloud, MN 56301 Property Records

Stearns County property record for 12 Lindsay Ct, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,618 sqft · built 1995
Lot Size	0.3 acres (13,068 sqft)
Owner	Individual Name on File
Tax Bill	$4,692 (2026)
Deeds & Mortgages	Sep 2026 Construction Loan Jun 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-50778-0028`

Property Details

APN / Parcel Number

Primary APN	`82-50778-0028`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,618 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	13,068 sqft (0.3 acres)
Lot Width	69 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	12 LINDSAY CT
City	SAINT CLOUD
State	MN
Zip	56301-5825
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 017 BLK 002 SOUTHPOINTE SECTION 23 TOWNSHIP 124 RANGE 028 SECTION 23 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	SOUTHPOINTE
Legal Block	2
Legal Lot Number	17
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2014
Census Tract	304

Owner

12 Lindsay Ct is owned and occupied by an individual who acquired it in July 2025.

Source: Stearns County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	12 LINDSAY CT, SAINT CLOUD, MN 56301-5825
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.

Deeds, Mortgages & Sale History

Date	Document
Sep 2, 2026	Deed of Trust, Mortgage · Construction Mortgage NONE LISTED ON DOCUMENT
Jun 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage JPMORGAN CHASE BANK N A

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jul 2, 2025
Transfer Doc	00A1698325
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Sep 2, 2026
Property Address	12 LINDSAY CT, SAINT CLOUD, MN 56301-5825
Document Number	0001720302
Instrument Date	Sep 1, 2026
Instrument	20261720302
Transaction Type	Mortgage
Record Updated	Sep 25, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LINDSAY CT, SAINT CLOUD, MN 56301-5825

Mortgage

Document Number	0001720302,
Date	Sep 2, 2026
Instrument	20261720302

Lender

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	3 Months
Due	Dec 1, 2026

Interest

Max Rate	-1%

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jun 5, 2026
Property Address	12 LINDSAY CT, SAINT CLOUD, MN 56301-5825
Document Number	0001714502
Instrument Date	May 29, 2026
Instrument	20261714502
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	WOLTERS KLUWER FINANCIAL SERVICES, WOLTERS KLUWER FINANCIAL SER

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12 LINDSAY CT, SAINT CLOUD, MN 56301-5825

Mortgage

Document Number	0001714502,
Date	Jun 5, 2026
Instrument	20261714502

Lender

Name	JPMORGAN CHASE BANK N A

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 12 Lindsay Ct was $4,692.

Source: Stearns County assessment roll, as of July 30, 2026

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	$4,692.00	$334,600 (+5.89%) Land $50,000 Building $284,600	$334,600 (+5.89%) Land $50,000 Building $284,600
2025		$316,000 Land $50,000 Building $266,000	$316,000 Land $50,000 Building $266,000
2024	$4,054.00 (+8.86%)
2023	$3,724.00	$303,300 Land $50,000 Building $253,300	$303,300 Land $50,000 Building $253,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12 Lindsay Ct in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12 Lindsay Ct 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	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 277 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	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Xtratyme Technologies.

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