1618 5th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1618 5th St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 897 sqft · built 1971
Lot Size	0.12 acres (5,227 sqft)
Owner	2 Individual Names on File
Tax Bill	$1,690 (2026)
Deeds & Mortgages	Jul 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-52824-0000`

Property Details

APN / Parcel Number

Primary APN	`82-52824-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	897 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1971
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Width	42 ft Width
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1618 5TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-3927
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	EDELBROCK BLK 31 LOT 16 ZAPP&MOOSBRUGER'S SUBD BLK 31 SECTION 11 TOWNSHIP 124 RANGE 028 ZAPP&MOOSBRUGER'S SUBD BLK 31 SECTION
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	ZAPPMOOSBRUGERS SUBD BLK 31
Legal Block	31
Legal Lot Number	16
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2051
Census Tract	602

Owner

Source: Stearns County assessment roll, as of July 30, 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 File
Mailing Address	1618 5TH ST N, SAINT CLOUD, MN 56303-3927
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

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

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jul 2, 2026
Property Address	1618 5TH ST N, SAINT CLOUD, MN 56303-3927
Document Number	0001716282
Instrument Date	Jun 26, 2026
Instrument	20261716282
Transaction Type	Mortgage
Record Updated	Jul 24, 2026
Title Company	COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1618 5TH ST N, SAINT CLOUD, MN 56303-3927

Mortgage

Document Number	0001716282,
Date	Jul 2, 2026
Instrument	20261716282

Lender

Name	LIBERTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.53%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$1,690.00 (+19.69%)	$144,300 (-) Land $30,000 Building $114,300	$144,300 (-) Land $30,000 Building $114,300
2025		$144,300 (+1.55%) Land $30,000 Building $114,300	$144,300 (+1.55%) Land $30,000 Building $114,300
2023	$1,412.00	$142,100 Land $25,000 Building $117,100	$142,100 Land $25,000 Building $117,100

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 September 29, 2024

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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
BIF IV Intrepid HoldCo Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Lumen Technologies DSL	140 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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