16 Sun Cir, Saint Cloud, MN 56301 Property Records

Stearns County property record for 16 Sun Cir, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,418 sqft · built 2003
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Tax Bill	$2,496 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Mar 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-50662-0068`

Property Details

APN / Parcel Number

Primary APN	`82-50662-0068`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Building Area	1,418 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Lot Width	40 ft Width
Garage Area	879 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	16 SUN CIR
City	SAINT CLOUD
State	MN
Zip	56301-4756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 019 BLK 001 SCHOOL DISTRICT 742 ADD SECTION 22 TOWNSHIP 124 RANGE 028 SECTION 22 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	22
Legal Subdivision	SCHOOL DISTRICT 742 ADD
Legal Block	1
Legal Lot Number	19
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3007
Census Tract	401

Owner

Source: Stearns County records, as of July 30, 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	16 SUN CIR, SAINT CLOUD, MN 56301-4756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage ENTRUST FINANCIAL CREDIT UNION
Mar 8, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Mar 2, 2021
Transfer Doc	00A1596160
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 16, 2026
Property Address	16 SUN CIR, SAINT CLOUD, MN 56301-4756
Document Number	0001711484
Instrument Date	Apr 7, 2026
Instrument	20261711484
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CUNA MUTUAL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16 SUN CIR, SAINT CLOUD, MN 56301-4756

Mortgage

Document Number	0001711484,
Date	Apr 16, 2026
Instrument	20261711484

Lender

Name	ENTRUST FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 26, 2031

Interest

Rate	6.11%
Max Rate	-1%

March 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 8, 2021
Property Address	16 SUN CIR, SAINT CLOUD, MN 56301-4756
Document Number	00A1596160
Instrument Date	Mar 2, 2021
Instrument	A1596160
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
Relationship	Revocable Trust

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	$2,496.00 (-33.76%)	$317,800 (-) Land $55,000 Building $262,800	$317,800 (-) Land $55,000 Building $262,800
2025		$317,800 (-) Land $55,000 Building $262,800	$317,800 (-) Land $55,000 Building $262,800
2023	$3,768.00	$317,800 Land $55,000 Building $262,800	$317,800 Land $55,000 Building $262,800

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	Low lower than 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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 234 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 · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
CenturyLink DSL · Fiber in parts of the area	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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