1315 3rd St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1315 3rd St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,112 sqft · built 1926
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on Record
Last Sale	$131,500 (Aug 2019)
Tax Bill	$1,928 (2026)
Deeds & Mortgages	Mar 2022 Transfer Aug 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-46514-0000`

Property Details

APN / Parcel Number

Primary APN	`82-46514-0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,112 sqft Living Area
1st Floor Area	748 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1926
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Width	64 ft Width
Garage Area	180 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	1315 3RD ST N
City	SAINT CLOUD
State	MN
Zip	56303-3908
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	W 63 1/2' OF E 68 1/2' OF LOT 1 BLK 13 EDELBROCKS ADD SECTION 10 TOWNSHIP 124 RANGE 028 EDELBROCKS ADD SECTION 10 TOWNSHIP
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	EDELBROCKS ADD
Legal Block	13
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2019
Census Tract	602

Owner

Source: Stearns County records, as of July 14, 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	1315 3RD ST N, SAINT CLOUD, MN 56303-3908
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2022	Quit Claim Deed, Transfer Quitclaim
Aug 9, 2019	Warranty Deed, Transfer
Feb 21, 2017	Warranty Deed, Transfer TRADEMARK TITLE INC, TRADEMARK TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2019 · Amount on Record
Deed Sale	Aug 9, 2019 · Amount on Record
Prior Sale	Feb 21, 2017 · Amount on Record
Deed Document Number	20191549860
Record Updated	Sep 20, 2026

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 17, 2022
Property Address	1315 3RD ST N, SAINT CLOUD, MN 56303-3908
Document Number	00A1628429
Instrument Date	Mar 17, 2022
Instrument	A1628429
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	1315 3RD ST N, SAINT CLOUD, MN 56303-3908

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 9, 2019
Property Address	1315 3RD ST N, SAINT CLOUD, MN 56303-3908
Document Number	00A1549860
Instrument Date	Jul 2, 2019
Instrument	A1549860
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	1315 3RD ST N, SAINT CLOUD, MN 56303-3908

February 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 21, 2017
Property Address	1315 3RD ST N, SAINT CLOUD, MN 56303-3908
Document Number	00A1489780
Instrument Date	Feb 16, 2017
Instrument	A1489780
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	TRADEMARK TITLE INC, TRADEMARK TITLE

Transaction

Amount	Amount Recorded
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1315 3RD ST N, SAINT CLOUD, MN 56303-3908

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	$1,928.00 (+20.8%)
2025		$159,100 (+1.6%) Land $30,000 Building $129,100	$159,100 (+1.6%) Land $30,000 Building $129,100
2023	$1,596.00	$156,600 Land $25,000 Building $131,600	$156,600 Land $25,000 Building $131,600

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 327 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
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Xtratyme Technologies.

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