1302 10th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1302 10th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 780 sqft · built 1939
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on Record
Last Sale	$145,000 (Dec 2024)
Tax Bill	$1,716 (2026)
Deeds & Mortgages	May 2026 Mortgage May 2026 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`82-46899-0000`

Property Details

APN / Parcel Number

Primary APN	`82-46899-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	780 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1939
Effective Year Built	Effective 1939
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Width	50 ft Width
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	1302 10TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-1708
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 013 BLK 016 FIRST ADD TO NORTH SIDE PARK SECTION 03 TOWNSHIP 124 RANGE 028 SECTION 03 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	03
Legal Subdivision	FIRST ADD TO NORTH SIDE PARK
Legal Block	16
Legal Lot Number	13
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	901

Owner

Source: Stearns County records, as of May 28, 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	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOUSING AND REDEVELOPMENT
May 11, 2026	Deed of Trust, Mortgage · Conventional Mortgage HOUSING AND REDEVELOPMENT
Oct 21, 2022	Quit Claim Deed, Transfer Quitclaim
Mar 16, 2020	Quit Claim Deed, Transfer Quitclaim
Nov 9, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 12, 2024 · Amount on Record
Deed Sale	Dec 12, 2024 · Amount on Record
Prior Sale	Dec 9, 2024 · Amount on Record
Deed Document Number	20241683983
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 11, 2026
Property Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708
Document Number	0001712871
Instrument Date	May 1, 2026
Instrument	20261712871
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708

Mortgage

Document Number	0001712871,
Date	May 11, 2026
Instrument	20261712871

Lender

Name	HOUSING AND REDEVELOPMENT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.46%
Max Rate	-1%

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 11, 2026
Property Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708
Document Number	0001712873
Instrument Date	May 1, 2026
Instrument	20261712873
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708

Mortgage

Document Number	0001712873,
Date	May 11, 2026
Instrument	20261712873

Lender

Name	HOUSING AND REDEVELOPMENT

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months

Interest

Rate	6.46%
Max Rate	-1%

October 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 21, 2022
Property Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708
Document Number	00A1642980
Instrument Date	Oct 19, 2022
Instrument	A1642980
Transaction Type	Transfer
Record Updated	Nov 23, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708

March 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 16, 2020
Property Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708
Document Number	00A1564734
Instrument Date	Mar 4, 2020
Instrument	A1564734
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 172, SARTELL, MN 56377-0172

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 9, 2018
Property Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708
Document Number	00A1533096
Instrument Date	Oct 25, 2018
Instrument	A1533096
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1302 10TH AVE N, SAINT CLOUD, MN 56303-1708

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$1,716.00 (+27.68%)
2025		$145,900 (+8.15%) Land $25,000 Building $120,900	$145,900 (+8.15%) Land $25,000 Building $120,900
2023	$1,344.00	$134,900 Land $25,000 Building $109,900	$134,900 Land $25,000 Building $109,900

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 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.

Wildfire

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.

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 450 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
Starlink Satellite	280 / 30

May also be available: CenturyLink, Verizon.

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