1419 23rd St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1419 23rd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.28 acres (12,197 sqft)
Owner	2 Individual Names on File
Last Sale	$465,000 (Nov 2025)
Tax Bill	$5,782 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage Sep 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-451-0230`

Property Details

APN / Parcel Number

Primary APN	`85-451-0230`
Alternative APNs	`85-00451-0230` `43388`

Exterior

Lot Area	12,197 sqft (0.28 acres)

Location & Zoning

Account Number	43388
Street Address	1419 23RD ST SE
City	SAINT CLOUD
State	MN
Zip	56304-8609
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6, BLK 2
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT EIGHT
Legal Block	2
Legal Lot Number	6
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	31500

Owner

1419 23rd St SE is owned and occupied by two individuals who bought it in November 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	1419 23RD ST SE, SAINT CLOUD, MN 56304-8609
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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
Nov 6, 2025	Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 16, 2020	Deed of Trust, Mortgage · VA Mortgage MORTGAGE RESEARCH CENTER LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 6, 2025 · Amount on File
Deed Sale	Nov 6, 2025 · Amount on File
Prior Sale	Nov 29, 2005 · Amount on File
Deed Document Number	2025990233
Prior Transfer Date	Feb 16, 2011
Prior Transfer Doc	0000727786
Record Updated	Oct 29, 2026

November 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Nov 6, 2025
Property Address	1419 23RD ST SE, SAINT CLOUD, MN 56304-8609
Document Number	0000990233
Instrument Date	Sep 9, 2025
Instrument	990233
Transaction Type	Transfer
Record Updated	Nov 27, 2025
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,534.50
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	1419 23RD ST SE, SAINT CLOUD, MN 56304-8609

Mortgage

Document Number	0000990234
Date	Nov 6, 2025
Instrument	990234

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	359 Months
Due	Oct 1, 2055

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1419 23RD ST SE, SAINT CLOUD, MN 56304-8609
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	FIDELITY NATIONAL TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000900272
Date	Sep 16, 2020
Instrument	900272

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1419 23rd St SE was $5,782 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		$403,800 (-) Land $70,000 Building $333,800	$403,800 (-) Land $70,000 Building $333,800
2025	$5,782.00	$403,800 Land $70,000 Building $333,800	$403,800 Land $70,000 Building $333,800
2023	$4,814.00	$403,800 Land $65,000 Building $338,800
2021			$403,800 Land $65,000 Building $338,800

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

Flood

FEMA maps place 1419 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 1419 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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