1620 25th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1620 25th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.6 acres (26,136 sqft)
Owner	2 Individual Names on File
Last Sale	$319,000 (May 2020)
Tax Bill	$5,060 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage Jul 2019 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`85-433-0410`

Property Details

APN / Parcel Number

Primary APN	`85-433-0410`
Alternative APNs	`85-00433-0410` `43240`

Exterior

Lot Area	26,136 sqft (0.6 acres)

Location & Zoning

Account Number	43240
Street Address	1620 25TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-8557
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	TRACT B ALL OF LOTS 2 & 3 EX W 41.98 FT OF LOT 3, BLK 4
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT THREE
Legal Tract	B
Legal Block	4
Legal Lot Number	2,3
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1004
Census Tract	31500

Owner

1620 25th St SE is owned and occupied by two individuals who bought it in May 2020.

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

Owner of Record	2 Individual Names on File
Mailing Address	1620 25TH ST SE, SAINT CLOUD, MN 56304-8557
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
May 21, 2020	Warranty Deed, Transfer · Conventional Mortgage MORTGAGE UNLIMITED
Jul 3, 2019	Deed of Trust, Mortgage · Line of Credit GRANITE CMNTY BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 21, 2020 · Amount on File
Deed Sale	May 21, 2020 · Amount on File
Deed Document Number	2020891949
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 21, 2020
Property Address	1620 25TH ST SE, SAINT CLOUD, MN 56304-8557
Document Number	0000891949
Instrument Date	May 6, 2020
Instrument	891949
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ANCONA TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,052.70
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 25TH ST SE, SAINT CLOUD, MN 56304-8557

Mortgage

Document Number	0000891950
Date	May 21, 2020
Instrument	891950

Lender

Name	MORTGAGE UNLIMITED

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1620 25TH ST SE, SAINT CLOUD, MN 56304-8557
Document Number	0000875366
Instrument Date	Jul 3, 2019
Transaction Type	Mortgage
Record Updated	Aug 26, 2019
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1620 25TH ST SE ST CLOUD MN 563048557, ST CLOUD, MN 56304-8557

Mortgage

Document Number	0000875366
Date	Jul 19, 2019
Instrument	875366

Lender

Name	GRANITE CMNTY BK
Type	Bank
Address	COLD SPRING, MN 56320

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Jul 18, 2024

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1620 25th St SE was $5,060 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		$358,300 (-) Land $70,000 Building $288,300	$358,300 (-) Land $70,000 Building $288,300
2025	$5,060.00	$358,300 Land $70,000 Building $288,300	$358,300 Land $70,000 Building $288,300
2023	$4,230.00	$358,300 Land $65,000 Building $293,300
2021			$358,300 Land $65,000 Building $293,300

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

Flood

FEMA maps place 1620 25th St SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1620 25th St 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	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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