1606 10th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1606 10th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.162 acres (7,069 sqft)
Owner	2 Individual Names on File
Last Sale	$272,500 (Aug 2023)
Tax Bill	$3,008 (2025)
Deeds & Mortgages	Aug 2023 Sale & Mortgage Dec 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-8670`

Property Details

APN / Parcel Number

Primary APN	`85-401-8670`
Alternative APNs	`85-00401-8670` `42477`

Exterior

Lot Area	7,069 sqft (0.162 acres)

Location & Zoning

Account Number	42477
Street Address	1606 10TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-2202
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 9, BLK 86
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	86
Legal Lot Number	9
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3008
Census Tract	31500

Owner

1606 10th Ave SE is owned and occupied by two individuals who bought it in August 2023.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1606 10TH AVE SE, SAINT CLOUD, MN 56304-2202
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
Aug 11, 2023	Warranty Deed, Transfer · Conventional Mortgage GRANITE MORTGAGE LLC
Dec 8, 2022	Warranty Deed, Transfer FRANDSEN BANK & TRUST

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 11, 2023 · Amount on File
Deed Sale	Aug 11, 2023 · Amount on File
Prior Sale	Dec 1, 2022 · Amount on File
Deed Document Number	2023960204
Record Updated	Oct 29, 2026

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 11, 2023
Property Address	1606 10TH AVE SE, SAINT CLOUD, MN 56304-2202
Document Number	0000960204
Instrument Date	Aug 4, 2023
Instrument	960204
Transaction Type	Transfer
Record Updated	Aug 23, 2023
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$899.25
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	1606 10TH AVE SE, SAINT CLOUD, MN 56304-2202

Mortgage

Document Number	0000960205
Date	Aug 11, 2023
Instrument	960205

Lender

Name	GRANITE MORTGAGE LLC
Type	Non-Lending Institution

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2053

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Dec 8, 2022
Property Address	1606 10TH AVE SE, SAINT CLOUD, MN 56304-2202
Document Number	0000951766
Instrument Date	Dec 1, 2022
Instrument	951766
Transaction Type	Transfer
Record Updated	Dec 16, 2022
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	207 19TH AVE N, SAINT CLOUD, MN 56303-4434

Mortgage

Document Number	0000951767
Date	Dec 8, 2022
Instrument	951767

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Amount	Amount on Record
Term	66 Months
Due	Jun 15, 2028

Tax Assessment & Valuation

The 2025 property tax bill for 1606 10th Ave SE was $3,008 with a homeowner's exemption.

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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		$229,000 (-) Land $40,000 Building $189,000	$229,000 (-) Land $40,000 Building $189,000
2025	$3,008.00	$229,000 Land $40,000 Building $189,000	$229,000 Land $40,000 Building $189,000
2023	$2,216.00	$214,000 Land $30,000 Building $184,000
2021			$214,000 Land $30,000 Building $184,000

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

Flood

FEMA maps place 1606 10th Ave SE in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 1606 10th Ave 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within 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 242 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

May also be available: T-Mobile.

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