1609 26th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1609 26th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.35 acres (15,246 sqft)
Owner	2 Individual Names on Record
Last Sale	$399,900 (Oct 2025)
Tax Bill	$5,300 (2025)
Deeds & Mortgages	Nov 2024 Line of Credit Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-432-0110`

Property Details

APN / Parcel Number

Primary APN	`85-432-0110`
Alternative APNs	`85-00432-0110` `43216`

Exterior

Lot Area	15,246 sqft (0.35 acres)

Location & Zoning

Account Number	43216
Street Address	1609 26TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-8543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLK 1
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT TWO
Legal Block	1
Legal Lot Number	2
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	31500

Owner

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	2 Individual Names on Record
Mailing Address	1609 26TH ST SE, SAINT CLOUD, MN 56304-8543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 26, 2024	Deed of Trust, Mortgage · Line of Credit UNITED COMMUNITY BANK
Oct 10, 2025	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 10, 2025 · Amount on Record
Deed Sale	Oct 10, 2025 · Amount on Record
Prior Sale	Mar 30, 2016 · Amount on Record
Deed Document Number	2025989122
Record Updated	Oct 29, 2026

November 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1609 26TH ST SE, SAINT CLOUD, MN 56304-8543
Transaction Type	Mortgage
Record Updated	Oct 24, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1609 26TH ST SE, SAINT CLOUD, MN 56304-8543

Mortgage

Document Number	0000976845
Date	Nov 26, 2024
Instrument	976845

Lender

Name	UNITED COMMUNITY BANK
Type	Bank
Address	42182

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	37 Months
Due	Nov 30, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 10, 2025
Property Address	1609 26TH ST SE, SAINT CLOUD, MN 56304-8543
Document Number	0000989122
Instrument Date	Sep 29, 2025
Instrument	989122
Transaction Type	Transfer
Record Updated	Oct 24, 2025
Title Company	KEY TITLE & CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,319.67
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	1609 26TH ST SE, SAINT CLOUD, MN 56304-8543

Mortgage

Document Number	0000989123
Date	Oct 10, 2025
Instrument	989123

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000989124
Date	Oct 10, 2025
Instrument	989124

Lender

Name	CENTRAL MINNESOTA HOUSING PARTNERSHIP IN
Type	Non-Lending Institution
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 2, 2030

Tax Assessment & Valuation

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		$373,400 (-) Land $70,000 Building $303,400	$373,400 (-) Land $70,000 Building $303,400
2025	$5,300.00 (+18.15%)	$373,400 (-) Land $70,000 Building $303,400	$373,400 (-) Land $70,000 Building $303,400
2023	$4,486.00	$373,400 Land $55,000 Building $318,400
2021			$373,400 Land $55,000 Building $318,400

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 November 16, 2011

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 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.

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 129 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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