1632 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1632 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.211 acres (9,231 sqft)
Owner	2 Individual Names on Record
Last Sale	$240,000 (Sep 2021)
Tax Bill	$2,852 (2025)
Deeds & Mortgages	Sep 2021 Sale & Mortgage Feb 2020 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-410-0216`

Property Details

APN / Parcel Number

Primary APN	`85-410-0216`
Alternative APNs	`85-00410-0216` `42780`

Exterior

Lot Area	9,231 sqft (0.211 acres)

Location & Zoning

Account Number	42780
Street Address	1632 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-2218
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 8, BLK 2
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	ROYAL OAKS
Legal Block	2
Legal Lot Number	8
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3003
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	1632 12TH AVE SE, SAINT CLOUD, MN 56304-2218
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 30, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA
Feb 20, 2020	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2021 · Amount on Record
Deed Sale	Sep 30, 2021 · Amount on Record
Prior Sale	Sep 7, 2000 · Amount on Record
Deed Document Number	2021929050
Record Updated	Oct 29, 2026

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 30, 2021
Property Address	1632 12TH AVE SE, SAINT CLOUD, MN 56304-2218
Document Number	0000929050
Instrument Date	Sep 20, 2021
Instrument	929050
Transaction Type	Transfer
Record Updated	Oct 20, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$792.00
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	1632 12TH AVE SE, SAINT CLOUD, MN 56304-2218

Mortgage

Document Number	0000929051
Date	Sep 30, 2021
Instrument	929051

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

February 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1632 12TH AVE SE, SAINT CLOUD, MN 56304-2218
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000887077
Date	Feb 20, 2020
Instrument	887077

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 20, 2035

Interest

Rate Type	Fixed Rate

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		$219,100 (-) Land $40,000 Building $179,100	$219,100 (-) Land $40,000 Building $179,100
2025	$2,852.00 (+24%)	$219,100 (-) Land $40,000 Building $179,100	$219,100 (-) Land $40,000 Building $179,100
2023	$2,300.00	$219,100 Land $40,000 Building $179,100
2021			$219,100 Land $40,000 Building $179,100

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 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

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	0.02% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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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