121 Riverside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 121 Riverside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.323 acres (14,086 sqft)
Owner	Individual Name on Record
Last Sale	$179,900 (Apr 2018)
Tax Bill	$3,772 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Apr 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00642.00`

Property Details

APN / Parcel Number

Primary APN	`17.00642.00`

Exterior

Lot Area	14,086 sqft (0.323 acres)

Location & Zoning

Street Address	121 RIVERSIDE DR NE
City	SAINT CLOUD
State	MN
Zip	56304-0437
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 RIVER-SIDE LOT-006 BLOCK-007 & N1/2 OF LOT 5
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	RIVER-SIDE
Legal Block	7
Legal Lot Number	5-6
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4006
Census Tract	21201

Owner

Source: Benton County records, as of October 6, 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	121 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0437
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 18, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Apr 16, 2018	Deed, Transfer · Conventional Mortgage CMG MORTGAGE INC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 16, 2018 · Amount on Record
Deed Sale	Apr 16, 2018 · Amount on Record
Deed Document Number	2018428790
Prior Transfer Date	Nov 21, 2006
Prior Transfer Doc	0001344306
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Sep 18, 2026
Property Address	121 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0437
Document Number	0000485718
Instrument Date	Sep 14, 2026
Instrument	2026485718
Transaction Type	Mortgage
Record Updated	Oct 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0437

Mortgage

Document Number	0000485718,
Date	Sep 18, 2026
Instrument	2026485718

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Oct 1, 2046

Interest

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

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Apr 16, 2018
Property Address	121 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0437
Document Number	0000428790
Instrument Date	Apr 9, 2018
Instrument	428790
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$593.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	121 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0437

Mortgage

Document Number	0000428791
Date	Apr 16, 2018
Instrument	428791

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2048

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	$3,772.00 (+19.07%) Homeowner's exemption	$284,900 (+8.29%) Land $45,000 Building $239,900	$284,900 (+8.29%) Land $45,000 Building $239,900
2023	$3,168.00	$263,100 Land $45,000 Building $218,100	$263,100 Land $45,000 Building $218,100

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
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
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 327 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

May also be available: Intrepid Fiber Networks.

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