1520 Garfield Ct, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1520 Garfield Ct, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	5 bd · 2 ba · 1,872 sqft · built 1919
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Last Sale	$200,000 (Aug 2026)
Tax Bill	$2,668 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-47142-0000`

Property Details

APN / Parcel Number

Primary APN	`82-47142-0000`

Interior

Bedrooms	5 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,872 sqft Living Area
1st Floor Area	936 sqft

Exterior

Year Built	Built 1919
Effective Year Built	Effective 1919
Exterior Material	Metal
Roof Material	Metal
Lot Area	5,227 sqft (0.12 acres)
Lot Width	41 ft Width
Garage Area	342 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1520 GARFIELD CT
City	SAINT CLOUD
State	MN
Zip	56301-4150
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 006 BLK 002 GARFIELD'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	GARFIELDS ADD
Legal Block	2
Legal Lot Number	6
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2052
Census Tract	301

Owner

1520 Garfield Ct is owned and occupied by two individuals who bought it in August 2026.

Source: Stearns County records, as of August 28, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1520 GARFIELD CT, SAINT CLOUD, MN 56301-4150
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2026 · Amount on File
Deed Sale	Aug 10, 2026 · Amount on File
Deed Document Number	20261718847
Prior Transfer Date	Mar 18, 2025
Prior Transfer Doc	00A1688830
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 10, 2026
Property Address	1520 GARFIELD CT, SAINT CLOUD, MN 56301-4150
Document Number	0001718847
Instrument Date	Aug 5, 2026
Instrument	20261718847
Transaction Type	Transfer
Record Updated	Sep 9, 2026
Title Company	STEARNS COUNTY ABSTRACT AND TITLE COMPANY, STEARNS COUNTY ABSTRACT & TITL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1520 GARFIELD CT, SAINT CLOUD, MN 56301-4150

Mortgage

Document Number	0001718848,
Date	Aug 10, 2026
Instrument	20261718848

Lender

Name	LIBERTY BANK

Agreement

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

Interest

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

Tax Assessment & Valuation

The 2026 property tax bill for 1520 Garfield Ct was $2,668.

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	$2,668.00	$205,300 (-) Land $25,000 Building $180,300	$205,300 (-) Land $25,000 Building $180,300
2025		$205,300 Land $25,000 Building $180,300	$205,300 Land $25,000 Building $180,300
2023	$2,148.00	$196,700 Land $25,000 Building $171,700	$196,700 Land $25,000 Building $171,700

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

Flood

FEMA maps place 1520 Garfield Ct 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 1520 Garfield Ct 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 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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