140 Riverside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 140 Riverside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.094 acres (4,136 sqft)
Owner	2 Individual Names on File
Last Sale	$119,000 (Aug 2009)
Tax Bill	$2,402 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00668.00`

Property Details

APN / Parcel Number

Primary APN	`17.00668.00`

Exterior

Lot Area	4,136 sqft (0.094 acres)

Location & Zoning

Street Address	140 RIVERSIDE DR NE
City	SAINT CLOUD
State	MN
Zip	56304-0436
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 RIVER-SIDE LOT-019 BLOCK-008
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	RIVER-SIDE
Legal Block	8
Legal Lot Number	19
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4036
Census Tract	21201

Owner

140 Riverside Dr NE is owned and occupied by two individuals who acquired it in March 2026.

Source: Benton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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 10, 2021	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Dec 11, 2025	Deed of Trust, Mortgage · FHA Mortgage NATIONSTAR MORTGAGE LLC
Sep 19, 2024	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Apr 6, 2026	Quit Claim Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 25, 2009 · Amount on File
Deed Sale	Aug 25, 2009 · Amount on File
Deed Document Number	20091368418
Last Transfer Date	Mar 31, 2026
Transfer Doc	0000482601
Record Updated	Oct 29, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436

Mortgage

Document Number	0000454477
Date	Aug 10, 2021
Instrument	454477

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	217 Months
Due	Sep 1, 2039

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436
Transaction Type	Mortgage
Record Updated	Apr 23, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436

Mortgage

Document Number	0000480897
Date	Dec 11, 2025
Instrument	480897

Lender

Name	NATIONSTAR MORTGAGE LLC
Type	Mortgage Company
Address	COPPELL, TX 75019

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	480 Months
Due	Dec 1, 2065

September 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436
Transaction Type	Mortgage
Record Updated	Apr 23, 2026
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436

Mortgage

Document Number	0000473611
Date	Sep 19, 2024
Instrument	473611

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50328

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	180 Months
Due	Sep 1, 2039

April 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Apr 6, 2026
Property Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436
Document Number	0000482601
Instrument Date	Mar 31, 2026
Instrument	2026482601
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	140 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0436

Mortgage

Document Number	0000482602,
Date	Apr 6, 2026
Instrument	2026482602

Lender

Name	ROCKET MORTGAGE LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 140 Riverside Dr NE was $2,402 with a homeowner's exemption, up 14.6% from the year before.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$2,402.00 (+14.6%) Homeowner's exemption	$205,200 (+12.93%) Land $25,000 Building $180,200	$205,200 (+12.93%) Land $25,000 Building $180,200
2025	$2,096.00 Homeowner's exemption	$181,700 Land $25,000 Building $156,700	$181,700 Land $25,000 Building $156,700
2023	$1,956.00	$178,600 Land $25,000 Building $153,600	$178,600 Land $25,000 Building $153,600

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

Flood

FEMA maps place 140 Riverside Dr NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 140 Riverside Dr NE 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 99.1% of the US · lower than 96% 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 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)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks.

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