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1244 45th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 1244 45th Ave NE, Saint Cloud, MN 56304

Property Summary

Property TypeSingle Family Home
Lot Size0.054 acres (2,352 sqft)
OwnerIndividual Name on File
Last Sale$149,900 (Mar 2020)
Tax Bill$2,550 (2026)
Deeds & MortgagesMar 2020 Sale
Jan 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN17.02032.00

Property Details

APN / Parcel Number

Primary APN17.02032.00

Exterior

Lot Area2,352 sqft (0.054 acres)

Location & Zoning

Street Address1244 45TH AVE NE
CitySAINT CLOUD
StateMN
Zip56304-4678
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionSECT-28 TWP-036 RANGE-030 WATERS EDGE AT DON LK 2ND ADDN LOT-016 BLOCK-001 ASSOCIATION YES COMMON EL YES CIC # 30 DECLARATION
Legal Range030
Legal Township036
Legal Section28
Legal SubdivisionWATERS EDGE AT DON LK 2ND ADDN
Legal Block1
Legal Lot Number16
JurisdictionBENTON MN
Township / Civil DivisionST. CLOUD
Census Block Group2
Census Block2058
Census Tract20300

Owner

1244 45th Ave NE is owned and occupied by an individual who bought it in March 2020.

Source: Benton County records, as of July 16, 2026

Owner of RecordIndividual Name on File
Mailing Address1244 45TH AVE NE, SAINT CLOUD, MN 56304-4678
OccupancyOwner Occupied
Owner TypeIndividual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

DateDocument
Mar 31, 2020Warranty Deed, Transfer
ANCONA TITLE, ANCONA TITLE & ESCROW
Jan 10, 2019Warranty Deed, Transfer · Conventional Mortgage
HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed NamesName on Deed
Last SaleMar 31, 2020 · Amount on File
Deed SaleMar 31, 2020 · Amount on File
Prior SaleJan 10, 2019 · Amount on File
Deed Document Number2020442023
Record UpdatedSep 20, 2026

March 2020: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateMar 31, 2020
Property Address1244 45TH AVE NE, SAINT CLOUD, MN 56304-4678
Document Number442023
Instrument DateMar 30, 2020
Instrument442023
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

AmountAmount on Record
Tax$494.67
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1244 45TH AVE NE, SAINT CLOUD, MN 56304-4678

January 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateJan 10, 2019
Property Address1244 45TH AVE NE, SAINT CLOUD, MN 56304-4678
Document Number433738
Instrument DateJan 4, 2019
Instrument433738
Transaction TypeTransfer
Record UpdatedAug 9, 2021
Title CompanyANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$450.45
Amount AccuracyRounded by County
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1244 45TH AVE NE, SAINT CLOUD, MN 56304-4678

Mortgage

Document Number433739
DateJan 10, 2019
Instrument433739
Lender
NameHOMEOWNERS FINANCIAL GROUP USA LLC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term361 Months
DueFeb 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 1244 45th Ave NE was $2,550 with a homeowner's exemption.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyBenton County
MunicipalitySt. Cloud City
Unified School DistrictSauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$2,550.00 Homeowner's exemption$182,400 Land $40,000 Building $142,400$182,400 Land $40,000 Building $142,400
2023$2,300.00$182,400 Land $30,000 Building $152,400$182,400 Land $30,000 Building $152,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1244 45th Ave NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies1 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

Wildfire risk around 1244 45th Ave NE is low, with a 0.04% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood0.04% annual chance
ExposureDirect
burnable vegetation

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 SystemSaint Cloud
serves 71,321 people · EPA ID MN1730027
Water SourceSurface water
Last State InspectionAug 2025
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 76 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Spectrum
Cable		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20

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