1208 13th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1208 13th St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,952 sqft · built 1969
Lot Size	0.27 acres (11,761 sqft)
Owner	Individual Name on Record
Last Sale	$230,851 (Jun 2026)
Tax Bill	$2,543 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`82-44900-0000`

Property Details

APN / Parcel Number

Primary APN	`82-44900-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	2 Stories
Building Area	1,952 sqft Living Area
1st Floor Area	1,120 sqft
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1969
Effective Year Built	Effective 1969
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	11,761 sqft (0.27 acres)
Lot Width	85 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	1208 13TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-2733
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 003 BLK 001 CENTENNIAL SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTENNIAL
Legal Block	1
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	801

Owner

Source: Stearns County records, as of June 26, 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	1208 13TH ST N, SAINT CLOUD, MN 56303-2733
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2026	Deed, Transfer · Conventional Mortgage MORTGAGE 1 INCORPORATED
Oct 4, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 12, 2026 · Amount on Record
Deed Sale	Jun 12, 2026 · Amount on Record
Deed Document Number	20261715016
Record Updated	Sep 20, 2026

June 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 12, 2026
Property Address	1208 13TH ST N, SAINT CLOUD, MN 56303-2733
Document Number	0001715016
Instrument Date	May 7, 2026
Instrument	20261715016
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$76,942.81
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1208 13TH ST N, SAINT CLOUD, MN 56303-2733

Mortgage

Document Number	0001715017,
Date	Jun 12, 2026
Instrument	20261715017

Lender

Name	MORTGAGE 1 INCORPORATED

Agreement

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

Interest

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

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 4, 2022
Property Address	1208 13TH ST N, SAINT CLOUD, MN 56303-2733
Document Number	00A1642016
Instrument Date	Sep 28, 2022
Instrument	A1642016
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1208 13TH ST N, SAINT CLOUD, MN 56303-2733

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$2,543.00 (-4.97%)
2025		$252,500 (+4.17%) Land $40,000 Building $212,500	$252,500 (+4.17%) Land $40,000 Building $212,500
2023	$2,676.00	$242,400 Land $40,000 Building $202,400	$242,400 Land $40,000 Building $202,400

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 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

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 450 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

Nearby Properties on 13th St N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures