1206 10th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1206 10th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.166 acres (7,250 sqft)
Owner	2 Individual Names on File
Last Sale	$125,750 (Oct 2006)
Tax Bill	$1,972 (2025)
Deeds & Mortgages	Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-413-3035`

Property Details

APN / Parcel Number

Primary APN	`85-413-3035`
Alternative APNs	`85-00413-3035` `42971`

Exterior

Lot Area	7,250 sqft (0.166 acres)

Location & Zoning

Account Number	42971
Street Address	1206 10TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1704
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLK 230
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	WAITES ADDITION - BLKS OVER 99
Legal Block	230
Legal Lot Number	8
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2055
Census Tract	31500

Owner

1206 10th Ave SE is owned and occupied by two individuals who bought it in October 2006.

Source: Sherburne County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	1206 10TH AVE SE, SAINT CLOUD, MN 56304-1704
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 31, 2006 · Amount on File
Deed Sale	Oct 31, 2006 · Amount on File
Prior Sale	Sep 5, 2006 · Amount on File
Deed Document Number	200673906
Record Updated	Oct 29, 2026

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1206 10TH AVE SE, SAINT CLOUD, MN 56304-1704
Document Number	0000900759
Instrument Date	Sep 3, 2020
Transaction Type	Mortgage
Record Updated	Oct 21, 2020
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Married Couple
Address	1206 10TH AVE SE ST CLOUD MN 563041704, ST CLOUD, MN 56304-1704

Mortgage

Document Number	0000900759
Date	Sep 22, 2020
Instrument	900759

Lender

Name	ST CLOUD FIN'L CU
Address	ST CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 21, 2035

Tax Assessment & Valuation

The 2025 property tax bill for 1206 10th Ave SE was $1,972 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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		$169,900 (+3.79%) Land $40,000 Building $129,900	$169,900 (+3.79%) Land $40,000 Building $129,900
2025	$1,972.00	$163,700 Land $40,000 Building $123,700	$163,700 Land $40,000 Building $123,700
2023	$1,612.00	$161,700 Land $30,000 Building $131,700
2021			$161,700 Land $30,000 Building $131,700

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

Flood

FEMA maps place 1206 10th Ave SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

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

Wildfire risk around 1206 10th Ave SE 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	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 329 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30