120 7th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 120 7th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Commercial
Lot Size	1.84 acres (80,177 sqft)
Owner	Company Name on Record
Tax Bill	$54,208 (2026)
Deeds & Mortgages	Dec 2019 Mortgage Oct 2018 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17.01974.00`

Property Details

APN / Parcel Number

Primary APN	`17.01974.00`

Interior

Units	75 Units

Exterior

Lot Area	80,177 sqft (1.84 acres)

Location & Zoning

Street Address	120 7TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-0809
Property Category	Commercial
Property Type	Commercial > Retail
Legal Description	SECT-36 TWP-036 RANGE-031 CJE DEVELOPMENT NO. 2 LOT-002 BLOCK-001 SUBJ TO DRIVEWAY EASMNT
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	CJE DEVELOPMENT NO. 2
Legal Block	1
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5023
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	Company Name on Record
Mailing Address	366 10TH AVE S, WAITE PARK, MN 56387-1400
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Dec 17, 2019	Deed of Trust, Mortgage · Commercial Mortgage AMERICAN NATIONAL BANK & TRUST
Oct 15, 2018	Deed of Trust, Mortgage · Line of Credit AMERICAN NATIONAL BANK OF MINNESOTA

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	120 7TH AVE SE, SAINT CLOUD, MN 56304-0809
Transaction Type	Mortgage
Record Updated	Jan 9, 2020

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440252
Date	Dec 17, 2019
Instrument	440252

Lender

Name	AMERICAN NATIONAL BANK & TRUST
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	119 Months
Due	Nov 10, 2029

October 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	120 7TH AVE SE, SAINT CLOUD, MN 56304-0809
Transaction Type	Mortgage
Record Updated	Jan 25, 2019

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	432259
Date	Oct 15, 2018
Instrument	432259

Lender

Name	AMERICAN NATIONAL BANK OF MINNESOTA
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	13 Months
Due	Nov 10, 2019

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$54,208.00 (+17.74%)	$1,604,000 (+2.98%) Land $400,000 Building $1,204,000	$1,604,000 (+2.98%) Land $400,000 Building $1,204,000
2023	$46,040.00	$1,557,600 Land $400,000 Building $1,157,600	$1,557,600 Land $400,000 Building $1,157,600

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	Not rated no burnable land within 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 203 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.

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