1584 39th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1584 39th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,890 sqft · built 2011
Lot Size	1.09 acres (47,480 sqft)
Owner	Individual Name on File
Tax Bill	$6,234 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`82-45817-0023`

Property Details

APN / Parcel Number

Primary APN	`82-45817-0023`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,890 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2011
Effective Year Built	Effective 2011
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	47,480 sqft (1.09 acres)
Lot Width	99 ft Width
Garage Area	1,380 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1584 39TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-9560
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD67
Legal Description	LOT 004 BLK 002 COYOTE CREEK SECTION 35 TOWNSHIP 124 RANGE 028 SECTION 35 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	35
Legal Subdivision	COYOTE CREEK
Legal Block	2
Legal Lot Number	4
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2011
Census Tract	402

Owner

1584 39th St S is owned and occupied by an individual.

Source: Stearns County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	1584 39TH ST S, SAINT CLOUD, MN 56301-9560
Occupancy	Owner Occupied
Owner Type	Individual

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	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 30, 2026
Property Address	1584 39TH ST S, SAINT CLOUD, MN 56301-9560
Document Number	0001712297
Instrument Date	Apr 24, 2026
Instrument	20261712297
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1584 39TH ST S, SAINT CLOUD, MN 56301-9560

Mortgage

Document Number	0001712297,
Date	Apr 30, 2026
Instrument	20261712297

Lender

Name	LIBERTY BANK MN

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Apr 15, 2031

Interest

Rate	6.38%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1584 39th St S was $6,234.

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	$6,234.00	$451,000 (+5.52%) Land $90,000 Building $361,000	$451,000 (+5.52%) Land $90,000 Building $361,000
2025		$427,400 Land $90,000 Building $337,400	$427,400 Land $90,000 Building $337,400
2023	$5,114.00	$411,300 Land $90,000 Building $321,300	$411,300 Land $90,000 Building $321,300

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

Flood

FEMA maps place 1584 39th St S in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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	1 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.

Wildfire

Wildfire risk around 1584 39th St S is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xtratyme Technologies.

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