Sherburne County property record for 1580 45th St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,440 sqft · built 1994 |
| Lot Size | 2.53 acres (110,207 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $375,000 (Sep 2023) |
| Tax Bill | $3,152 (2025) |
| Deeds & Mortgages | May 2026 Transfer Sep 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-423-0105 |
| Primary APN | 25-423-0105 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,440 sqft Living Area |
| 1st Floor Area | 1,440 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 110,207 sqft (2.53 acres) |
| Garage Type | Attached |
| Garage Area | 787 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
| Porch Area | 166 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1580 45TH ST SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-8548 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 1, BLK 1 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 19 |
| Legal Subdivision | PRAIRIE WOODS ESTATES 3RD ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30302 |
Source: Sherburne County records, as of July 7, 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 | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| May 21, 2026 | Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT |
| Sep 21, 2023 | Warranty Deed, Transfer RESULTS TITLE |
| Jul 16, 2021 | Warranty Deed, Transfer · VA Mortgage FEDERAL SAVINGS BANK |
| Jul 16, 2021 | Affidavit, Transfer STEARNS COUNTY ABSTRACT COMPANY, STEARNS COUNTY ABSTRACT & TI |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 21, 2023 · Amount on Record |
| Deed Sale | Sep 21, 2023 · Amount on Record |
| Prior Sale | Sep 15, 2023 · Amount on Record |
| Deed Document Number | 2023961794 |
| Last Transfer Date | May 19, 2026 |
| Transfer Doc | 0000997883 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | May 21, 2026 |
| Property Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Document Number | 0000997883 |
| Instrument Date | May 19, 2026 |
| Instrument | 2026997883 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Sep 21, 2023 |
| Property Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Document Number | 0000961794 |
| Instrument Date | Sep 18, 2023 |
| Instrument | 961794 |
| Transaction Type | Transfer |
| Record Updated | Sep 27, 2023 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,237.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Jul 16, 2021 |
| Property Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Document Number | 0000923683 |
| Instrument Date | Jul 13, 2021 |
| Instrument | 923683 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | STEARNS COUNTY ABSTRACT COMPANY, STEARNS COUNTY ABSTRACT & TI |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,154.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Document Number | 0000923684 |
|---|---|
| Date | Jul 16, 2021 |
| Instrument | 923684 |
| Name | FEDERAL SAVINGS BANK |
|---|
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Affidavit |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Jul 16, 2021 |
| Property Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
| Document Number | 0000923682 |
| Instrument Date | Jul 12, 2021 |
| Instrument | 923682 |
| Transaction Type | Transfer |
| Record Updated | Aug 11, 2021 |
| Title Company | STEARNS COUNTY ABSTRACT COMPANY, STEARNS COUNTY ABSTRACT & TI |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1580 45TH ST SE, SAINT CLOUD, MN 56304-8548 |
Source: Sherburne County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,152.00 (+795.45%) | $388,100 (+1.73%) Land $122,900 Building $265,200 | $388,100 (+1.73%) Land $122,900 Building $265,200 |
| 2023 | $352.00 | $381,500 Land $125,400 Building $256,100 | |
| 2021 | $381,500 Land $125,400 Building $256,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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