Sherburne County property record for 1410 12th St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.166 acres (7,251 sqft) |
| Owner | Individual Name on File |
| Last Sale | $215,000 (May 2025) |
| Tax Bill | $2,786 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-413-3505 |
| Primary APN | 85-413-3505 |
|---|---|
| Alternative APNs |
|
| Lot Area | 7,251 sqft (0.166 acres) |
|---|
| Street Address | 1410 12TH ST SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-1732 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 1, BLK 135 |
| Legal Range | 31W |
| Legal Township | 35N |
| Legal Section | 01 |
| Legal Subdivision | WAITES ADDITION - BLKS OVER 99 |
| Legal Block | 135 |
| Legal Lot Number | 1 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2042 |
| Census Tract | 31500 |
1410 12th St SE is owned and occupied by an individual who bought it in May 2025.
Source: Sherburne County records, as of June 12, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 1410 12TH ST SE, SAINT CLOUD, MN 56304-1732 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 22, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MIDCOUNTRY BANK FSB |
| Apr 22, 2021 | Deed of Trust, Mortgage · Commercial Mortgage MIDCOUNTRY BANK FSB |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 28, 2025 · Amount on File |
| Deed Sale | May 28, 2025 · Amount on File |
| Prior Sale | Apr 20, 2016 · Amount on File |
| Deed Document Number | 202563697 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1410 12TH ST SE, SAINT CLOUD, MN 56304-1732 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000058880 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 58880 |
| Name | MIDCOUNTRY BANK FSB |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1410 12TH ST SE, SAINT CLOUD, MN 56304-1732 |
| Transaction Type | Mortgage |
| Record Updated | May 12, 2021 |
| Title Company | NOT AVAILABLE, RETURN TO QUARRY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000917496 |
|---|---|
| Date | Apr 22, 2021 |
| Instrument | 917496 |
| Name | MIDCOUNTRY BANK FSB |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 84 Months |
| Due | Mar 19, 2028 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 1410 12th St SE was $2,786.
Source: Sherburne County assessment roll, as of July 29, 2025
| 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 |
|---|---|---|---|
| 2025 | $2,786.00 | $190,000 Land $40,000 Building $150,000 | $190,000 Land $40,000 Building $150,000 |
| 2023 | $2,184.00 | $187,100 Land $30,000 Building $157,100 | |
| 2021 | $187,100 Land $30,000 Building $157,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1410 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 1410 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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