1603 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 1603 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	1.52 acres (66,211 sqft)
Owner	Individual Name on File
Last Sale	$262,500 (Nov 2019)
Tax Bill	$3,606 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Nov 2020 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09.00583.00`

Property Details

APN / Parcel Number

Primary APN	`09.00583.00`

Interior

Units	4 Units

Exterior

Architectural Style	Multi-Family
Lot Area	66,211 sqft (1.52 acres)

Location & Zoning

Street Address	1603 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-4689
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-31 TWP-036 RANGE-030 1.52 AC E 100 FT OF W 598 FT OF S 660 FT OF SW1/4 NW1/4 W/HWY EASMNT
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	TOWNSITE OF MONTICELLO
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2017
Census Tract	21201

Owner

1603 2nd St SE, a residential property, is owned and occupied by an individual who acquired it in November 2020.

Source: Benton County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689
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

Date	Document
Oct 1, 2021	Deed of Trust, Mortgage · Commercial Mortgage STAR BANK
Nov 9, 2020	Intrafamily Transfer, Transfer
Nov 18, 2019	Warranty Deed, Transfer · Conventional Mortgage FLAGSTAR BANK FSB
Nov 27, 2017	Warranty Deed, Transfer WELLS FARGO BANK NATIONAL ASSOCIATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 18, 2019 · Amount on File
Deed Sale	Nov 18, 2019 · Amount on File
Prior Sale	Nov 27, 2017 · Amount on File
Deed Document Number	2019439612
Last Transfer Date	Nov 4, 2020
Transfer Doc	0000447342
Record Updated	Oct 29, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689
Transaction Type	Mortgage
Record Updated	Jul 21, 2023
Title Company	GIBRALTAR TITLE COMPANY, GIBRALTAR TITLE AGENCY

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	13278 94TH AVE N, MAPLE GROVE, MN 55369-9306

Mortgage

Document Number	0000455764
Date	Oct 1, 2021
Instrument	455764

Lender

Name	STAR BANK
Type	Bank
Address	ANNANDALE, MN 55302

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	11 Months
Due	Sep 16, 2022

November 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Nov 9, 2020
Property Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689
Document Number	0000447342
Instrument Date	Nov 4, 2020
Instrument	447342
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 18, 2019
Property Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689
Document Number	0000439612
Instrument Date	Nov 8, 2019
Instrument	439612
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$866.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689

Mortgage

Document Number	0000439613
Date	Nov 18, 2019
Instrument	439613

Lender

Name	FLAGSTAR BANK FSB
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2049

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 27, 2017
Property Address	1603 2ND ST SE, SAINT CLOUD, MN 56304-4689
Document Number	0000426456
Instrument Date	May 2, 2017
Instrument	426456
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Investor	Possibly a Property Investor

Mortgage

Document Number	0000426459
Date	Nov 27, 2017
Instrument	426459

Lender

Name	WELLS FARGO BANK NATIONAL ASSOCIATION
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Amount	Amount on Record
Term	235 Months
Due	Jun 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 1603 2nd St SE was $3,606.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
County Subdivision	Minden Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,606.00	$337,300 Land $57,300 Building $280,000	$337,300 Land $57,300 Building $280,000
2023	$3,186.00	$318,100 Land $54,100 Building $264,000	$318,100 Land $54,100 Building $264,000

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

Flood

FEMA maps place 1603 2nd St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019

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

Wildfire risk around 1603 2nd St SE is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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