1304 13th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1304 13th St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,092 sqft · built 1968
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Nov 2025)
Tax Bill	$2,712 (2026)
Deeds & Mortgages	Nov 2025 Sale Nov 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-44987-0000`

Property Details

APN / Parcel Number

Primary APN	`82-44987-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,092 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1968
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Width	75 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1304 13TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-2612
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 002 BLK 005 CENTENNIAL SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTENNIAL
Legal Block	5
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2001
Census Tract	801

Owner

1304 13th St N is owned and occupied by an individual who bought it in November 2025.

Source: Stearns County records, as of July 30, 2026

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

Owner of Record	Individual Name on File
Mailing Address	1304 13TH ST N, SAINT CLOUD, MN 56303-2612
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 3, 2025	Warranty Deed, Transfer
Nov 16, 2021	Warranty Deed, Transfer MISC COMPANY
Sep 28, 2018	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 3, 2025 · Amount on File
Deed Sale	Nov 3, 2025 · Amount on File
Prior Sale	Nov 16, 2021 · Amount on File
Deed Document Number	20251702553
Record Updated	Oct 29, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 3, 2025
Property Address	1304 13TH ST N, SAINT CLOUD, MN 56303-2612
Document Number	00A1702553
Instrument Date	Oct 24, 2025
Instrument	A1702553
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 16, 2021
Property Address	1304 13TH ST N, SAINT CLOUD, MN 56303-2612
Document Number	00A1619610
Instrument Date	Nov 5, 2021
Instrument	A1619610
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1304 13TH ST N, SAINT CLOUD, MN 56303-2612

September 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 28, 2018
Property Address	1304 13TH ST N, SAINT CLOUD, MN 56303-2612
Document Number	00A1530148
Instrument Date	Sep 26, 2018
Instrument	A1530148
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1304 13TH ST N, SAINT CLOUD, MN 56303-2612

Tax Assessment & Valuation

The 2026 property tax bill for 1304 13th St N was $2,712, up 21.8% from the year before.

Source: Stearns County assessment roll, as of July 30, 2026

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	$2,712.00 (+21.83%)	$207,200 (-) Land $40,000 Building $167,200	$207,200 (-) Land $40,000 Building $167,200
2025	$2,226.00 Homeowner's exemption	$207,200 Land $40,000 Building $167,200	$207,200 Land $40,000 Building $167,200
2023	$2,126.00	$192,000 Land $40,000 Building $152,000	$192,000 Land $40,000 Building $152,000

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

Flood

FEMA maps place 1304 13th St N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

The area around 1304 13th St N has no burnable land within ember reach, so its wildfire risk is not rated.

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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