1424 7th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1424 7th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,120 sqft · built 1892
Lot Size	0.1 acres (4,356 sqft)
Owner	2 Individual Names on Record
Last Sale	$185,000 (Sep 2026)
Tax Bill	$1,992 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Sep 2021 Sale + 5 more
Flood Zone	Zone X (minimal risk)
APN	`82-49211-0000`

Property Details

APN / Parcel Number

Primary APN	`82-49211-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	801 sqft

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Exterior Material	Brick
Lot Area	4,356 sqft (0.1 acres)
Lot Width	40 ft Width
Garage Area	256 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1424 7TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-4100
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 015 BLK 001 ORTMAN'S ADD SECTION 14 TOWNSHIP 124 RANGE 028 SECTION 14 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	14
Legal Subdivision	ORTMANS ADD
Legal Block	1
Legal Lot Number	15
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2033
Census Tract	301

Owner

Source: Stearns County records, as of September 25, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 1, 2026	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK
Sep 1, 2021	Warranty Deed, Transfer MISC COMPANY
May 20, 2021	Warranty Deed, Transfer MISC COMPANY
Apr 20, 2018	Deed, Transfer
Nov 8, 2017	Special Warranty Deed, Transfer
Jun 9, 2017	Special Warranty Deed, Foreclosure
Jun 9, 2017	Limited Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 1, 2026 · Amount on Record
Deed Sale	Sep 1, 2026 · Amount on Record
Prior Sale	Sep 1, 2021 · Amount on Record
Deed Document Number	20261720083
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 1, 2026
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	0001720083
Instrument Date	Aug 28, 2026
Instrument	20261720083
Transaction Type	Transfer
Record Updated	Sep 25, 2026
Title Company	STEARNS COUNTY ABSTRACT AND TITLE COMPANY, STEARNS COUNTY ABSTRACT & TITL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$61,660.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100

Mortgage

Document Number	0001720084,
Date	Sep 1, 2026
Instrument	20261720084

Lender

Name	LIBERTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

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

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 1, 2021
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	00A1613041
Instrument Date	Aug 16, 2021
Instrument	A1613041
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 20, 2021
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	00A1603526
Instrument Date	May 12, 2021
Instrument	A1603526
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
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	1427 7TH ST S, SAINT CLOUD, MN 56301-4165

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 20, 2018
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	00A1518654
Instrument	A1518654
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 KILIAN BLVD SE, SAINT CLOUD, MN 56304-1641

November 2017: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 8, 2017
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	00A1508653
Instrument Date	Oct 13, 2017
Instrument	A1508653
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	810 VERMONT AVE NW, 810, WASHINGTON, DC 20420-0001

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1004 KILIAN BLVD SE, SAINT CLOUD, MN 56304-1641

June 2017: Special Warranty Deed, Foreclosure

Document Type	Special Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 9, 2017
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	00A1497486
Instrument Date	May 30, 2017
Instrument	A1497486
Transaction Type	Foreclosure
Record Updated	Aug 18, 2022

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	3401 W END AVE # 760W, 760W, NASHVILLE, TN 37203-1042

June 2017: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 9, 2017
Property Address	1424 7TH ST S, SAINT CLOUD, MN 56301-4100
Document Number	00A1497485
Instrument Date	Apr 29, 2017
Instrument	A1497485
Transaction Type	Transfer
Record Updated	Aug 18, 2022

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	3043 TOWNSGATE RD # 200, 200, WESTLAKE VILLAGE, CA 91361-3027

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

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	$1,992.00 (+24.81%)	$172,900 (+5.94%) Land $25,000 Building $147,900	$172,900 (+5.94%) Land $25,000 Building $147,900
2025		$163,200 (+4.21%) Land $25,000 Building $138,200	$163,200 (+4.21%) Land $25,000 Building $138,200
2023	$1,596.00	$156,600 Land $25,000 Building $131,600	$156,600 Land $25,000 Building $131,600

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

Flood

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

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 682 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
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Arvig, Verizon.

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