Benton County property record for 123 E Saint Germain St, Saint Cloud, MN 56304 · Last verified July 2026
| Property Type | Commercial > Retail |
|---|---|
| Lot Size | 2,925 sqft (0.067 acres) |
| Last Sale | $516,000 (2023) |
| Tax Bill | $1,678.00 (2026) |
| Primary APN | 17.00610.02 |
|---|
| Units | 2 Units |
|---|
| Lot Area | 2,925 sqft (0.067 acres) |
|---|
| Street Address | 123 E SAINT GERMAIN ST |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0739 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail |
| Legal Description | SECT-35 TWP-036 RANGE-031 RIVER-SIDE LOT-001 BLOCK-005 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 35 |
| Legal Subdivision | RIVER-SIDE |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | BENTON MN |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 5 |
| Census Block | 5034 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.00610.02
Assessment roll updated July 16, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 28 3RD AVE NE, 201, SAINT CLOUD, MN 56304-0462 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Dec 19, 2022 | Deed of Trust, Mortgage · Commercial Mortgage AMERICAN NATIONAL BANK OF MINNESOTA |
| Nov 19, 2021 | Deed, Transfer · Commercial Mortgage AMERICAN NATIONAL BANK OF MINNESOTA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on Record |
| Deed Sale | Jun 30, 2023 · Amount on Record |
| Prior Sale | Nov 19, 2021 · Amount on Record |
| Deed Doc Number | 20231553163 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 123 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0739 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2023 |
| Name | Verified Name |
|---|---|
| Address | 503 3RD ST N, SARTELL, MN 56377-1748 |
| Investor | Possibly a Property Investor |
| Document Number | 0000464297 |
|---|---|
| Date | Dec 19, 2022 |
| Instrument | 464297 |
| Name | AMERICAN NATIONAL BANK OF MINNESOTA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, MN 56301 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 47 Months |
| Due | Nov 12, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Nov 19, 2021 |
| Property Address | 123 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0739 |
| Document Number | 0000456892 |
| Instrument Date | Nov 12, 2021 |
| Instrument | 456892 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | QUDARY TITLE, QUARRY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,056.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 503 3RD ST N, SARTELL, MN 56377-1748 |
| Document Number | 0000456893 |
|---|---|
| Date | Nov 19, 2021 |
| Instrument | 456893 |
| Name | AMERICAN NATIONAL BANK OF MINNESOTA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 12, 2026 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,678.00 (+35.98%) | $46,000 (+4.55%) Land $20,000 Building $26,000 | $46,000 (+4.55%) Land $20,000 Building $26,000 |
| 2025 | $1,234.00 (+95.25%) | $44,000 (+12.82%) Land $20,000 Building $24,000 | $44,000 (+12.82%) Land $20,000 Building $24,000 |
| 2023 | $632.00 | $39,000 Land $20,000 Building $19,000 | $39,000 Land $20,000 Building $19,000 |
Source: FEMA National Flood Hazard Layer, Benton County (27009C), updated July 29, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
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