Sherburne County property record for 1305 12th St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.186 acres (8,129 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $168,000 (Apr 2021) |
| Tax Bill | $2,704 (2025) |
| Deeds & Mortgages | Apr 2021 Sale & Mortgage Oct 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-413-2050 |
| Primary APN | 85-413-2050 |
|---|---|
| Alternative APNs |
|
| Lot Area | 8,129 sqft (0.186 acres) |
|---|
| Account Number | 42939 |
|---|---|
| Street Address | 1305 12TH ST SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-1731 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SLY 6 FT OF LOT 11 & ALL OF LOT 12, BLK 120 |
| Legal Range | 31W |
| Legal Township | 35N |
| Legal Section | 01 |
| Legal Subdivision | WAITES ADDITION - BLKS OVER 99 |
| Legal Block | 120 |
| Legal Lot Number | 11,12 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 31500 |
1305 12th St SE is owned and occupied by two individuals who bought it in April 2021.
Source: Sherburne County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 1305 12TH ST SE, SAINT CLOUD, MN 56304-1731 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 26, 2021 | Warranty Deed, Transfer · Conventional Mortgage CROSSCOUNTRY MORTGAGE INC |
| Oct 4, 2018 | Warranty Deed, Transfer · Conventional Mortgage BROKER SOLUTIONS INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 26, 2021 · Amount on File |
| Deed Sale | Apr 26, 2021 · Amount on File |
| Prior Sale | Oct 4, 2018 · Amount on File |
| Deed Document Number | 202158892 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Apr 26, 2021 |
| Property Address | 1305 12TH ST SE, SAINT CLOUD, MN 56304-1731 |
| Document Number | 0000058892 |
| Instrument Date | Apr 8, 2021 |
| Instrument | 58892 |
| Transaction Type | Transfer |
| Record Updated | Oct 10, 2022 |
| Title Company | KNIGHT BARRY TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $554.40 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1305 12TH ST SE, SAINT CLOUD, MN 56304-1731 |
| Document Number | 0000058893 |
|---|---|
| Date | Apr 26, 2021 |
| Instrument | 58893 |
| Name | CROSSCOUNTRY MORTGAGE INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Oct 4, 2018 |
| Property Address | 1305 12TH ST SE, SAINT CLOUD, MN 56304-1731 |
| Document Number | 0000055284 |
| Instrument Date | Sep 21, 2018 |
| Instrument | 55284 |
| Transaction Type | Transfer |
| Record Updated | May 12, 2021 |
| Title Company | KENSINGTON TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $503.91 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1305 12TH ST SE, SAINT CLOUD, MN 56304-1731 |
| Document Number | 0000055286 |
|---|---|
| Date | Oct 4, 2018 |
| Instrument | 55286 |
| Name | BROKER SOLUTIONS INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2048 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1305 12th St SE was $2,704 with a homeowner's exemption.
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $218,400 (+4.05%) Land $40,000 Building $178,400 | $218,400 (+4.05%) Land $40,000 Building $178,400 | |
| 2025 | $2,704.00 | $209,900 Land $40,000 Building $169,900 | $209,900 Land $40,000 Building $169,900 |
| 2023 | $2,206.00 | $206,600 Land $30,000 Building $176,600 | |
| 2021 | $206,600 Land $30,000 Building $176,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1305 12th St SE in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011
| 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 risk around 1305 12th St SE is low, with 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 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 329 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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