1304 Eagle Ridge Rd, Saint Joseph, MN 56374 Property Records

Stearns County property record for 1304 Eagle Ridge Rd, Saint Joseph, MN 56374

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.5 ba · 1,395 sqft · built 2002
Lot Size	0.727 acres (31,673 sqft)
Owner	2 Individual Names on File
Last Sale	$212,400 (Aug 2002)
Tax Bill	$5,342 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`84-53790-0246`

Property Details

APN / Parcel Number

Primary APN	`84-53790-0246`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,395 sqft Living Area
Gross Area	2,055 sqft
1st Floor Area	704 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	31,673 sqft (0.727 acres)
Lot Dimensions	120 ft deep x 129 ft wide
Garage Type	Attached
Garage Area	1,392 sqft
Parking Spaces	5 Parking Spaces
Shed	1 Shed
Shed Area	48 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1304 EAGLE RIDGE RD
City	SAINT JOSEPH
State	MN
Zip	56374-8516
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLK 003 POND VIEW RIDGE SIX SECTION 14 TOWNSHIP 124 RANGE 029 SECTION 14 TOWNSHIP 124 RANGE 029
Legal Range	29W
Legal Township	124
Legal Section	14
Legal Subdivision	POND VIEW RIDGE SIX
Legal Block	3
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. JOSEPH
Census Block Group	3
Census Block	3027
Census Tract	11308

Owner

1304 Eagle Ridge Rd is owned and occupied by two individuals who bought it in August 2002.

Source: Stearns County records, as of June 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	2 Individual Names on File
Mailing Address	1304 EAGLE RIDGE RD, SAINT JOSEPH, MN 56374-8516
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 2, 2002 · Amount on File
Deed Sale	Aug 2, 2002 · Amount on File
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 1, 2026
Property Address	1304 EAGLE RIDGE RD, SAINT JOSEPH, MN 56374-8516
Document Number	0001716130
Instrument Date	Jun 26, 2026
Instrument	20261716130
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	BURNET TITLE LLC, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$129,987.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1304 EAGLE RIDGE RD, SAINT JOSEPH, MN 56374-8516

Mortgage

Document Number	0001716131,
Date	Jul 1, 2026
Instrument	20261716131

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1304 Eagle Ridge Rd was $5,342 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
Municipality	St. Joseph City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,342.00
2025		$404,900 Land $51,700 Building $353,200	$404,900 Land $51,700 Building $353,200
2023	$4,632.00	$384,000 Land $51,700 Building $332,300	$384,000 Land $51,700 Building $332,300

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

Flood

FEMA maps place 1304 Eagle Ridge Rd in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1304 Eagle Ridge Rd is low, with less than a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% 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 Joseph serves 7,100 people · EPA ID MN1730033
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 370 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Midco Cable · Fixed Wireless in parts of the area	1,250 / 60
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20