1513 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 1513 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,064 sqft · built 1955
Lot Size	3.33 acres (145,055 sqft)
Owner	Individual Name on Record
Last Sale	$228,543 (Dec 2022)
Tax Bill	$2,812 (2026)
Deeds & Mortgages	Dec 2022 Sale & Mortgage Nov 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09.00582.00`

Property Details

APN / Parcel Number

Primary APN	`09.00582.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,064 sqft Living Area
1st Floor Area	1,064 sqft
Basement Area	850 sqft
Finished Basement	850 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1995
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	145,055 sqft (3.33 acres)
Garage Area	2,208 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1513 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 3.33 AC PART OF SW1/4 NW1/4 COMM 66 FT E OF SW CORNER TH E 234 FT TH N 660 FT TH W 234 FT TH S 660
Legal Range	030
Legal Township	036
Legal Section	31
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2017
Census Tract	21201

Owner

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

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

Owner of Record	Individual Name on Record
Mailing Address	1513 2ND ST SE, SAINT CLOUD, MN 56304-1301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Land Contract, Transfer · Land Contract NOT AVAILABLE
Nov 29, 2021	Warranty Deed, Transfer · FHA Mortgage WATERSTONE MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 28, 2022 · Amount on Record
Deed Sale	Dec 28, 2022 · Amount on Record
Prior Sale	Nov 29, 2021 · Amount on Record
Deed Document Number	2022464458
Record Updated	Sep 20, 2026

December 2022: Land Contract, Transfer

Document Type	Land Contract
Jurisdiction	BENTON MN
Recording Date	Dec 28, 2022
Property Address	1513 2ND ST SE, SAINT CLOUD, MN 56304-1301
Document Number	0000464458
Instrument Date	Dec 15, 2022
Instrument	464458
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
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	1513 2ND ST SE, SAINT CLOUD, MN 56304-1301

Mortgage

Date	Dec 28, 2022

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded
Term	61 Months
Due	Jan 1, 2028

Interest

Rate	3.5%

November 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 29, 2021
Property Address	1513 2ND ST SE, SAINT CLOUD, MN 56304-1301
Document Number	0000457037
Instrument Date	Oct 18, 2021
Instrument	457037
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$735.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1513 2ND ST SE, SAINT CLOUD, MN 56304-1301

Mortgage

Document Number	0000457038
Date	Nov 29, 2021
Instrument	457038

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Nov 1, 2051

Mortgage

Document Number	0000457039
Date	Nov 29, 2021
Instrument	457039

Lender

Name	WATERSTONE MORTGAGE CORP
Type	Mortgage Company
Address	PEWAUKEE, WI 53072

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount Recorded
Term	120 Months
Due	Nov 1, 2031

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
County Subdivision	Minden Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,812.00 (+54.85%) Homeowner's exemption	$349,100 (+43.72%) Land $76,700 Building $272,400	$349,100 (+43.72%) Land $76,700 Building $272,400
2023	$1,816.00	$242,900 Land $73,000 Building $169,900	$242,900 Land $73,000 Building $169,900

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 July 29, 2019

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	Low lower than 96% of the US · lower than 86% 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.

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 149 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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