1326 23rd St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1326 23rd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on Record
Tax Bill	$5,384 (2025)
Deeds & Mortgages	Feb 2024 Transfer Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-451-0140`

Property Details

APN / Parcel Number

Primary APN	`85-451-0140`
Alternative APNs	`85-00451-0140` `43378`

Exterior

Lot Area	20,473 sqft (0.47 acres)

Location & Zoning

Account Number	43378
Street Address	1326 23RD ST SE
City	SAINT CLOUD
State	MN
Zip	56304-8608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLK 1
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT EIGHT
Legal Block	1
Legal Lot Number	8
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	31500

Owner

Source: Sherburne County records, as of September 15, 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	7080 IRVIN AVE S, COTTAGE GROVE, MN 55016-1954
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2024	Transfer on Death Deed, Transfer
Oct 5, 2022	Deed of Trust, Mortgage · Conventional Mortgage ARK-LA-TEX FINANCIAL SERVICES LLC
Jan 28, 2022	Warranty Deed, Transfer · Conventional Mortgage BANKVISTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Feb 20, 2024
Transfer Doc	0000966692
Record Updated	Oct 29, 2026

February 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 22, 2024
Property Address	1326 23RD ST SE, SAINT CLOUD, MN 56304-8608
Document Number	0000966692
Instrument Date	Feb 20, 2024
Instrument	966692
Transaction Type	Transfer
Record Updated	Mar 6, 2024

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1326 23RD ST SE, SAINT CLOUD, MN 56304-8608
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000949201
Date	Oct 5, 2022
Instrument	949201

Lender

Name	ARK-LA-TEX FINANCIAL SERVICES LLC
Type	Mortgage Company
Address	PLANO, TX 75024

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2052

January 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jan 28, 2022
Property Address	1326 23RD ST SE, SAINT CLOUD, MN 56304-8608
Document Number	0000936787
Instrument Date	Nov 12, 2021
Instrument	936787
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	KNIGHT BARRY TTL UNITED LLC

Transaction

Amount	Amount Recorded
Tax	$94.21
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7080 IRVIN AVE S, COTTAGE GROVE, MN 55016-1954

Mortgage

Document Number	0000937390
Date	Feb 8, 2022
Instrument	937390

Lender

Name	BANKVISTA
Type	Bank
Address	SARTELL, MN 56377

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Feb 7, 2023

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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		$378,700 (-) Land $70,000 Building $308,700	$378,700 (-) Land $70,000 Building $308,700
2025	$5,384.00 (+1,582.5%)	$378,700 (-) Land $70,000 Building $308,700	$378,700 (-) Land $70,000 Building $308,700
2023	$320.00	$378,700 Land $75,000 Building $303,700
2021			$378,700 Land $75,000 Building $303,700

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 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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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 111 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable · Fiber in parts of the area	1,000 / 35
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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