Stearns County property record for 1232 34th Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,120 sqft · built 1950 |
| Lot Size | 0.25 acres (10,890 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $226,500 (Aug 2026) |
| Tax Bill | $1,762 (2026) |
| Deeds & Mortgages | Aug 2026 Sale & Mortgage Jan 2024 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-43732-0000 |
| Primary APN | 82-43732-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,120 sqft Living Area |
| 1st Floor Area | 928 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1950 |
|---|---|
| Effective Year Built | Effective 1950 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 10,890 sqft (0.25 acres) |
| Lot Width | 83 ft Width |
| Garage Area | 560 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 1232 34TH AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-1531 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | .44 A W2 OF N117' OF E329.8' OF S2SE4SE4 SUBJECT TO ROAD EASEMENT OVER N33' AND W33' THEREOF SECTION 04 TOWNSHIP 124 RANGE |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 04 |
| Legal Subdivision | METES AND BOUNDS DESC. |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 1003 |
Source: Stearns County records, as of September 21, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on Record |
|---|---|
| Mailing Address | 1232 34TH AVE N, SAINT CLOUD, MN 56303-1531 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Aug 28, 2026 | Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC |
| Jan 26, 2024 | Transfer on Death Deed, Transfer |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 2026 · Amount on Record |
| Deed Sale | Aug 28, 2026 · Amount on Record |
| Deed Document Number | 20261719960 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 28, 2026 |
| Property Address | 1232 34TH AVE N, SAINT CLOUD, MN 56303-1531 |
| Document Number | 0001719960 |
| Instrument Date | May 27, 2026 |
| Instrument | 20261719960 |
| Transaction Type | Transfer |
| Record Updated | Sep 21, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $75,492.45 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1232 34TH AVE N, SAINT CLOUD, MN 56303-1531 |
| Document Number | 0001719961, |
|---|---|
| Date | Aug 28, 2026 |
| Instrument | 20261719961 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jan 26, 2024 |
| Property Address | 1232 34TH AVE N, SAINT CLOUD, MN 56303-1531 |
| Document Number | 00A1666986 |
| Instrument Date | Jan 26, 2024 |
| Instrument | A1666986 |
| Transaction Type | Transfer |
| Record Updated | Feb 20, 2024 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1232 34TH AVE N, SAINT CLOUD, MN 56303-1531 |
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 | $1,762.00 (+15.31%) | $148,300 (-) Land $40,000 Building $108,300 | $148,300 (-) Land $40,000 Building $108,300 |
| 2025 | $148,300 (-) Land $40,000 Building $108,300 | $148,300 (-) Land $40,000 Building $108,300 | |
| 2023 | $1,528.00 | $148,300 Land $40,000 Building $108,300 | $148,300 Land $40,000 Building $108,300 |
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
| 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.
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.
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 326 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 | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 140 / 20 |
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