Stearns County property record for 1604 38th St S, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,652 sqft · built 1993 |
| Owner | Individual Name on Record |
| Tax Bill | $3,486 (2023) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-51184-0186 |
| Primary APN | 82-51184-0186 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 2 Stories |
| Building Area | 1,652 sqft Living Area |
| 1st Floor Area | 874 sqft |
| Fireplace | Fireplace |
| Year Built | Built 1993 |
|---|---|
| Exterior Material | Metal |
| Lot Width | 80 ft Width |
| Garage Area | 680 sqft |
| Parking Spaces | 2 Parking Spaces |
| Total Buildings | 2 Buildings |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Old Parcel Number | 82.51184.0186 |
|---|---|
| Street Address | 1604 38TH ST S |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-9554 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 004 BLOCK 001 OF STERLING WOODS 2ND ADD |
| Legal Range | 28 |
| Legal Township | 124 |
| Legal Section | 35 |
| Legal Subdivision | STERLING WOODS 2ND ADD |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 402 |
Source: Stearns County records, as of July 7, 2023
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 | 2680 W SAINT GERMAIN ST, SAINT CLOUD, MN 56301-4713 |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Jun 7, 2026 |
Source: Stearns County assessment roll, as of February 1, 2023
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2023 | $3,486.00 | $294,800 Land $65,000 Building $229,800 | $294,800 Land $65,000 Building $229,800 |
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 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 60% 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.
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 29 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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