1332 23rd St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1332 23rd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.31 acres (13,504 sqft)
Owner	2 Individual Names on File
Last Sale	$312,000 (Aug 2022)
Tax Bill	$4,168 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Aug 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-451-0145`

Property Details

APN / Parcel Number

Primary APN	`85-451-0145`
Alternative APNs	`85-00451-0145` `43379`

Exterior

Lot Area	13,504 sqft (0.31 acres)

Location & Zoning

Account Number	43379
Street Address	1332 23RD ST SE
City	SAINT CLOUD
State	MN
Zip	56304-8608
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9, BLK 1
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT EIGHT
Legal Block	1
Legal Lot Number	9
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	31500

Owner

1332 23rd St SE is owned and occupied by two individuals who bought it in August 2022.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1332 23RD ST SE, SAINT CLOUD, MN 56304-8608
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage BELL BANK
Aug 30, 2022	Warranty Deed, Construction Loan PREFERRED TITLE/MO INC, PREFERRED TITLE INC
Mar 29, 2022	Warranty Deed, Transfer AVENUE TITLE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 22, 2022 · Amount on File
Deed Sale	Aug 22, 2022 · Amount on File
Prior Sale	Mar 29, 2022 · Amount on File
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 30, 2022
Property Address	1332 23RD ST SE, SAINT CLOUD, MN 56304-8608
Document Number	0000947689
Instrument Date	Aug 22, 2022
Instrument	947689
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 31, 2023
Title Company	PREFERRED TITLE/MO INC, PREFERRED TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,029.60
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	1332 23RD ST SE, SAINT CLOUD, MN 56304-8608

Mortgage

Document Number	0000947690
Date	Aug 30, 2022
Instrument	947690

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2052

August 2022: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 30, 2022
Property Address	1332 23RD ST SE, SAINT CLOUD, MN 56304-8608
Document Number	0000947688
Instrument Date	Aug 22, 2022
Instrument	947688
Transaction Type	Construction Loan
Record Updated	Jul 31, 2023
Title Company	PREFERRED TITLE/MO INC, PREFERRED TITLE INC

Transaction

Amount	Amount on Record
Tax	$115.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	8177 WHITETAIL LN, CLEAR LAKE, MN 55319-7508
Investor	Possibly a Property Investor

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Mar 29, 2022
Property Address	1332 23RD ST SE, SAINT CLOUD, MN 56304-8608
Document Number	0000939942
Instrument Date	Mar 24, 2022
Instrument	939942
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	AVENUE TITLE LLC

Transaction

Amount	Amount on Record
Tax	$194.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	17207 198TH AVE NW, BIG LAKE, MN 55309-4684

Tax Assessment & Valuation

The 2025 property tax bill for 1332 23rd St SE was $4,168 with a homeowner's exemption.

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		$302,100 (-) Land $70,000 Building $232,100	$302,100 (-) Land $70,000 Building $232,100
2025	$4,168.00	$302,100 Land $70,000 Building $232,100	$302,100 Land $70,000 Building $232,100
2023	$166.00	$297,500 Land $20,000 Building $277,500
2021			$297,500 Land $20,000 Building $277,500

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

Flood

FEMA maps place 1332 23rd 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

Wildfire risk around 1332 23rd St SE is low, with a 0.02% 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	0.02% 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

Nearby Properties on 23rd St SE

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