1600 37th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1600 37th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,309 sqft · built 2001
Lot Size	0.47 acres (20,473 sqft)
Owner	Individual Name on File
Tax Bill	$3,870 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`82-51184-0308`

Property Details

APN / Parcel Number

Primary APN	`82-51184-0308`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	3 Stories
Building Area	1,309 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	20,473 sqft (0.47 acres)
Lot Width	126 ft Width
Garage Area	614 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1600 37TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-9575
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 008 BLK 006 STERLING WOODS 2ND ADD SECTION 35 TOWNSHIP 124 RANGE 028 SECTION 35 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	35
Legal Subdivision	STERLING WOODS 2ND ADD
Legal Block	6
Legal Lot Number	8
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	402

Owner

1600 37th 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	1600 37TH ST S, SAINT CLOUD, MN 56301-9575
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

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jun 30, 2026
Property Address	1600 37TH ST S, SAINT CLOUD, MN 56301-9575
Document Number	0001716055
Instrument Date	May 29, 2026
Instrument	20261716055
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1600 37TH ST S, SAINT CLOUD, MN 56301-9575

Mortgage

Document Number	0001716055,
Date	Jun 30, 2026
Instrument	20261716055

Lender

Name	OLD NATIONAL BANK

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Jun 25, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1600 37th St S was $3,870.

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	$3,870.00	$301,600 (+7.68%) Land $65,000 Building $236,600	$301,600 (+7.68%) Land $65,000 Building $236,600
2025		$280,100 Land $65,000 Building $215,100	$280,100 Land $65,000 Building $215,100
2023	$3,342.00	$264,200 Land $65,000 Building $199,200	$264,200 Land $65,000 Building $199,200

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

Flood

FEMA maps place 1600 37th 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 1600 37th St S is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	0.02% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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