126 Riverside Dr SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 126 Riverside Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.083 acres (3,630 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Aug 2022)
Tax Bill	$1,478 (2026)
Deeds & Mortgages	Aug 2022 Mortgage Aug 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00541.00`

Property Details

APN / Parcel Number

Primary APN	`17.00541.00`

Exterior

Lot Area	3,630 sqft (0.083 acres)

Location & Zoning

Street Address	126 RIVERSIDE DR SE
City	SAINT CLOUD
State	MN
Zip	56304-0731
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 WRIGHT & BENSEN'S SUBD OF BLKS LOT-006 BLOCK-003 W1/2 OF
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	WRIGHT & BENSEN'S SUBD OF BLKS
Legal Block	3
Legal Lot Number	6
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5046
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	126 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-0731
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOMEOWNERS FINANCIAL GROUP USA LLC
Aug 12, 2022	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Nov 10, 2020	Warranty Deed, Transfer · Conventional Mortgage BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 12, 2022 · Amount on Record
Deed Sale	Aug 12, 2022 · Amount on Record
Prior Sale	Nov 10, 2020 · Amount on Record
Deed Document Number	2022462286
Record Updated	Oct 29, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	126 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-0731
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000462288
Date	Aug 12, 2022
Instrument	462288

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 12, 2022
Property Address	126 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-0731
Document Number	0000462286
Instrument Date	Jul 22, 2022
Instrument	462286
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	AUTHORITY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$521.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-0731

Mortgage

Document Number	0000462287
Date	Aug 12, 2022
Instrument	462287

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

November 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 10, 2020
Property Address	126 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-0731
Document Number	0000447378
Instrument Date	Oct 30, 2020
Instrument	447378
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$404.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	126 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-0731
Investor	Possibly a Property Investor

Mortgage

Document Number	0000447379
Date	Nov 10, 2020
Instrument	447379

Lender

Name	BELL BANK
Type	Bank
Address	FARGO, ND 58103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2050

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	$1,478.00 (+14.4%) Homeowner's exemption	$137,000 (+8.04%) Land $25,000 Building $112,000	$137,000 (+8.04%) Land $25,000 Building $112,000
2023	$1,292.00	$126,800 Land $25,000 Building $101,800	$126,800 Land $25,000 Building $101,800

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 500 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 252 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
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Intrepid Fiber Networks, T-Mobile.

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