120 4th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 120 4th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$162,000 (Jun 2021)
Tax Bill	$1,880 (2026)
Deeds & Mortgages	Jun 2021 Sale & Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00299.00`

Property Details

APN / Parcel Number

Primary APN	`17.00299.00`

Exterior

Architectural Style	Multi-Family
Lot Area	4,400 sqft (0.101 acres)

Location & Zoning

Street Address	120 4TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-0722
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-019 BLOCK-022 N1/2 OF LOTS 19 & 20
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	22
Legal Lot Number	19-20
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5045
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	120 4TH AVE SE, SAINT CLOUD, MN 56304-0722
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2021	Warranty Deed, Transfer · FHA Mortgage BANK OF ENGLAND
Aug 3, 2020	Limited Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC
Sep 7, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2021 · Amount on Record
Deed Sale	Jun 1, 2021 · Amount on Record
Prior Sale	Aug 3, 2020 · Amount on Record
Deed Document Number	2021452738
Prior Transfer Date	Dec 11, 2007
Prior Transfer Doc	1353705
Record Updated	Oct 29, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 1, 2021
Property Address	120 4TH AVE SE, SAINT CLOUD, MN 56304-0722
Document Number	452738
Instrument Date	May 24, 2021
Instrument	452738
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PILLAR TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$534.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 4TH AVE SE, SAINT CLOUD, MN 56304-0722

Mortgage

Document Number	452739
Date	Jun 1, 2021
Instrument	452739

Lender

Name	BANK OF ENGLAND
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

August 2020: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 3, 2020
Property Address	120 4TH AVE SE, SAINT CLOUD, MN 56304-0722
Document Number	444750
Instrument Date	Jul 29, 2020
Instrument	444750
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	PILLAR TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	120 4TH AVE SE, SAINT CLOUD, MN 56304-0722

Mortgage

Document Number	0000444751
Date	Aug 3, 2020
Instrument	444751

Lender

Name	PLAZA HOME MORTGAGE INC
Type	Mortgage Company
Address	ITASCA, IL 60143

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2050

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 7, 2017
Property Address	120 4TH AVE SE, SAINT CLOUD, MN 56304-0722
Document Number	424939
Instrument Date	Jul 7, 2017
Instrument	424939
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

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	$1,880.00 (+22.08%) Homeowner's exemption	$150,800 (+12.2%) Land $25,000 Building $125,800	$150,800 (+12.2%) Land $25,000 Building $125,800
2023	$1,540.00	$134,400 Land $25,000 Building $109,400	$134,400 Land $25,000 Building $109,400

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
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 252 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
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Intrepid Fiber Networks, T-Mobile.

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