Stearns County property record for 1205 34th Ave N, Saint Cloud, MN 56303
| Property Type | Duplex |
|---|---|
| Details | 2 ba · 1,088 sqft · built 1976 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,648 (2026) |
| Deeds & Mortgages | Oct 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-47107-0000 |
| Primary APN | 82-47107-0000 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Total Rooms | 4 Rooms |
| Building Area | 1,088 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Duplex Single |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Width | 75 ft Width |
| Garage Area | 512 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Street Address | 1205 34TH AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-1532 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Duplex |
| Local Zoning Code | R2 |
| Legal Description | LOT 002 BLK 002 GARDNER PLAT 1 SECTION 04 TOWNSHIP 124 RANGE 028 SECTION 04 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 04 |
| Legal Subdivision | GARDNER PLAT 1 |
| Legal Block | 2 |
| Legal Lot Number | 2 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3008 |
| Census Tract | 1003 |
1205 34th Ave N, a duplex, is owned and occupied by an individual.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1205 34TH AVE N, SAINT CLOUD, MN 56303-1532 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Oct 7, 2026 |
| Property Address | 1205 34TH AVE N, SAINT CLOUD, MN 56303-1532 |
| Document Number | 0001722295 |
| Instrument Date | Sep 11, 2026 |
| Instrument | 20261722295 |
| Transaction Type | Mortgage |
| Record Updated | Oct 20, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Investor | Possibly a Property Investor |
| Document Number | 0001722295, |
|---|---|
| Date | Oct 7, 2026 |
| Instrument | 20261722295 |
| Name | LIBERTY BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Sep 15, 2031 |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 1205 34th Ave N was $2,648.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,648.00 | $202,800 (-) Land $40,000 Building $162,800 | $202,800 (-) Land $40,000 Building $162,800 |
| 2025 | $202,800 Land $40,000 Building $162,800 | $202,800 Land $40,000 Building $162,800 | |
| 2023 | $2,122.00 | $181,600 Land $40,000 Building $141,600 | $181,600 Land $40,000 Building $141,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1205 34th Ave N in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024
| 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.
The area around 1205 34th Ave N has no burnable land within ember reach, so its wildfire risk is not rated.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 326 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 140 / 20 |
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