1423 7th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1423 7th St N, Saint Cloud, MN 56303

Property Summary

Property Type	Duplex
Details	2 bd · 2 ba · 1,228 sqft · built 1963
Lot Size	0.23 acres (10,019 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Feb 2026)
Tax Bill	$3,174 (2026)
Deeds & Mortgages	Feb 2026 Sale Nov 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-51086-0000`

Property Details

APN / Parcel Number

Primary APN	`82-51086-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,228 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Duplex Single
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Width	75 ft Width
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Electric

Location & Zoning

Street Address	1423 7TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-3311
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Local Zoning Code	R5
Legal Description	LOT 7 & W1/2 OF 8 BLK 9 STEARNS ADD SECTION 11 TOWNSHIP 124 RANGE 028 STEARNS ADD SECTION 11 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	STEARNS ADD
Legal Block	9
Legal Lot Number	7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1018
Census Tract	801

Owner

1423 7th St N, a duplex, is owned and occupied by an individual who bought it in February 2026.

Source: Stearns County records, as of April 21, 2026

Owner of Record	Individual Name on File
Mailing Address	1423 7TH ST N, SAINT CLOUD, MN 56303-3311
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

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
Feb 12, 2026	Warranty Deed, Transfer
Nov 8, 2023	Transfer on Death Deed, Transfer
Nov 2, 2023	Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 12, 2026 · Amount on File
Deed Sale	Feb 12, 2026 · Amount on File
Prior Sale	Oct 20, 2023 · Amount on File
Deed Document Number	20261708067
Record Updated	Jun 8, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 12, 2026
Property Address	1423 7TH ST N, SAINT CLOUD, MN 56303-3311
Document Number	00A1708067
Instrument Date	Feb 11, 2026
Instrument	A1708067
Transaction Type	Transfer
Record Updated	Mar 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1423 7TH ST N, SAINT CLOUD, MN 56303-3311

November 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 8, 2023
Property Address	1423 7TH ST N, SAINT CLOUD, MN 56303-3311
Document Number	00A1663158
Instrument Date	Nov 2, 2023
Instrument	A1663158
Transaction Type	Transfer
Record Updated	Dec 5, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 2, 2023
Property Address	1423 7TH ST N, SAINT CLOUD, MN 56303-3311
Document Number	00A1662809
Instrument Date	Oct 20, 2023
Instrument	A1662809
Transaction Type	Transfer
Record Updated	Nov 24, 2023
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 65, CLEARWATER, MN 55320-0065

Tax Assessment & Valuation

The 2026 property tax bill for 1423 7th St N was $3,174.

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$3,174.00
2025		$173,200 Land $30,000 Building $143,200	$173,200 Land $30,000 Building $143,200
2023	$2,470.00	$154,500 Land $30,000 Building $124,500	$154,500 Land $30,000 Building $124,500

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

Flood

FEMA maps place 1423 7th St N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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

The area around 1423 7th St N has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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