1605 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 1605 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.5 ba · 1,333 sqft · built 1957
Lot Size	2 acres (87,120 sqft)
Owner	2 Individual Names on Record
Tax Bill	$1,950 (2026)
Deeds & Mortgages	Sep 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09.00581.00`

Property Details

APN / Parcel Number

Primary APN	`09.00581.00`

Interior

Bedrooms	4 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,333 sqft Living Area
1st Floor Area	1,066 sqft
Basement Area	585 sqft
Finished Basement	585 sqft
Flooring	Softwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1957
Effective Year Built	Effective 1972
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	87,120 sqft (2 acres)
Garage Area	416 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1605 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 2.00 AC E 132 FT OF W 498 FT OF S 660 FT OF SW1/4 NW1/4
Legal Range	030
Legal Township	036
Legal Section	31
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2017
Census Tract	21201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1605 2ND ST SE, SAINT CLOUD, MN 56304-1303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1605 2ND ST SE, SAINT CLOUD, MN 56304-1303
Transaction Type	Mortgage
Record Updated	Oct 18, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 425329
Date	Sep 28, 2017
Instrument	425329

Lender

Name	PLAZA PARK BANK
Type	Bank
Address	WAITE PARK, MN 56387

Agreement

Amount	Amount Recorded
Term	60 Months
Due	Sep 20, 2022

Tax Assessment & Valuation

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	$1,950.00 (+7.26%) Homeowner's exemption	$232,700 (+3.98%) Land $61,300 Building $171,400	$232,700 (+3.98%) Land $61,300 Building $171,400
2023	$1,818.00	$223,800 Land $57,800 Building $166,000	$223,800 Land $57,800 Building $166,000

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 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

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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