Stearns County property record for 1220 11th Ave S, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,040 sqft · built 1968 |
| Lot Size | 0.2 acres (8,712 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4,670 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-48828-0000 |
| Primary APN | 82-48828-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Units | 10 Units |
| Stories | 1 Story |
| Building Area | 1,040 sqft Living Area |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Metal |
| Roof Material | Asphalt |
| Lot Area | 8,712 sqft (0.2 acres) |
| Lot Width | 70 ft Width |
| Garage Area | 855 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 1220 11TH AVE S |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-5419 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | N 26' OF LOT 10 & ALL LOT 11 & S3' OF LOT 12 BLK 5 NORMAL PARK ADD SECTION 14 TOWNSHIP 124 RANGE 028 NORMAL PARK ADD SECTION |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 14 |
| Legal Subdivision | NORMAL PARK ADD |
| Legal Block | 5 |
| Legal Lot Number | 10-12 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1023 |
| Census Tract | 301 |
Source: Stearns County records, as of July 30, 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 | Individual Name on Record |
|---|---|
| Mailing Address | 1220 11TH AVE S, SAINT CLOUD, MN 56301-5419 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 24, 2026 |
| Property Address | 1220 11TH AVE S, SAINT CLOUD, MN 56301-5419 |
| Document Number | 0001721506 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 20261721506 |
| Transaction Type | Mortgage |
| Record Updated | Oct 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants, 205 |
| Address | 1220 11TH AVE S, SAINT CLOUD, MN 56301-5419 |
| Document Number | 0001721506, |
|---|---|
| Date | Sep 24, 2026 |
| Instrument | 20261721506 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Sep 1, 2066 |
| Max Rate | -1% |
|---|
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 | $4,670.00 (+49.49%) | $218,100 (+5.98%) Land $30,000 Building $188,100 | $218,100 (+5.98%) Land $30,000 Building $188,100 |
| 2025 | $205,800 (+1.68%) Land $30,000 Building $175,800 | $205,800 (+1.68%) Land $30,000 Building $175,800 | |
| 2023 | $3,124.00 | $202,400 Land $30,000 Building $172,400 | $202,400 Land $30,000 Building $172,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 470 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 |
| AT&T Fixed Wireless | 100 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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