Sherburne County property record for 1604 13th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.191 acres (8,344 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $160,000 (Mar 2019) |
| Tax Bill | $2,920 (2025) |
| Deeds & Mortgages | Jan 2018 Mortgage Mar 2019 Sale & Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-410-0350 |
| Primary APN | 85-410-0350 |
|---|---|
| Alternative APNs |
|
| Lot Area | 8,344 sqft (0.191 acres) |
|---|
| Account Number | 42825 |
|---|---|
| Street Address | 1604 13TH AVE SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-2226 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL OF LOTS 25 & 26, BLK 3, ROYAL OAKS, CITY OF ST.CLOUD, LYING SLY OF THE DESC LINE:COMM AT THE SE CORNER OF LOT 26;THENCE |
| Legal Range | 31W |
| Legal Township | 35N |
| Legal Section | 01 |
| Legal Subdivision | ROYAL OAKS |
| Legal Block | 3 |
| Legal Lot Number | 25,26 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3000 |
| Census Tract | 31500 |
Source: Sherburne County records, as of September 15, 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 | 1604 13TH AVE SE, SAINT CLOUD, MN 56304-2226 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 29, 2018 | Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE NATL BANK |
| Mar 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK |
| Feb 9, 2018 | Deed of Trust, Mortgage · VA Mortgage LAKEVIEW LN SERVICING |
| May 9, 2017 | Warranty Deed, Transfer · VA Mortgage VETERANS UNITED HM LNS |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on Record |
| Deed Sale | Mar 12, 2019 · Amount on Record |
| Prior Sale | May 9, 2017 · Amount on Record |
| Deed Document Number | 2019869261 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1604 13TH AVE SE, SAINT CLOUD, MN 56304-2226 |
| Transaction Type | Mortgage |
| Record Updated | Aug 15, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000851417 |
|---|---|
| Date | Jan 29, 2018 |
| Instrument | 851417 |
| Name | AMERICAN HERITAGE NATL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 12, 2019 |
| Property Address | 1604 13TH AVE SE, SAINT CLOUD, MN 56304-2226 |
| Document Number | 0000869261 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 869261 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1604 13TH AVE SE, SAINT CLOUD, MN 56304-2226 |
| Document Number | 0000869262 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 869262 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Mar 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1604 13TH AVE SE, SAINT CLOUD, MN 56304-2226 |
| Document Number | 0000852211 |
| Instrument Date | Feb 9, 2018 |
| Transaction Type | Mortgage |
| Record Updated | Feb 27, 2018 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 1604 13TH AVE SE ST CLOUD MN 563042226, ST CLOUD, MN 56304-2226 |
| Document Number | 0000852211 |
|---|---|
| Date | Feb 16, 2018 |
| Instrument | 852211 |
| Name | LAKEVIEW LN SERVICING |
|---|---|
| Type | Funding / Finance Company |
| Address | CORAL GABLES, FL 33146 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Feb 15, 2048 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | May 9, 2017 |
| Property Address | 1604 13TH AVE SE, SAINT CLOUD, MN 56304-2226 |
| Document Number | 0000838294 |
| Instrument Date | May 5, 2017 |
| Instrument | 838294 |
| Transaction Type | Transfer |
| Record Updated | May 23, 2017 |
| Title Company | ANCONA TITLE, ANCONA TITLE & ESCROW |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $478.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1604 13TH AVE SE ST CLOUD MN 563042226, ST CLOUD, MN 56304-2226 |
| Document Number | 838295 |
|---|---|
| Date | May 9, 2017 |
| Instrument | 838295 |
| Name | VETERANS UNITED HM LNS |
|---|---|
| Type | Funding / Finance Company |
| Address | COLUMBIA, MO 65203 |
| Type | VA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 8, 2047 |
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $223,400 (-) Land $40,000 Building $183,400 | $223,400 (-) Land $40,000 Building $183,400 | |
| 2025 | $2,920.00 (+24.15%) | $223,400 (-) Land $40,000 Building $183,400 | $223,400 (-) Land $40,000 Building $183,400 |
| 2023 | $2,352.00 | $223,400 Land $40,000 Building $183,400 | |
| 2021 | $223,400 Land $40,000 Building $183,400 |
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 | 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.
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 | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 329 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
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