1641 38th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1641 38th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Other Improved
Lot Size	0.42 acres (18,295 sqft)
Owner	2 Individual Names on Record
Last Sale	$350,000 (Jun 2026)
Tax Bill	$5,034 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-51184-0152`

Property Details

APN / Parcel Number

Primary APN	`82-51184-0152`

Exterior

Lot Area	18,295 sqft (0.42 acres)
Lot Width	100 ft Width

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	1641 38TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-9547
Property Category	Other
Property Type	Other > Other Improved
Local Zoning Code	R1
Legal Description	LOT 007 BLK 004 STERLING WOODS SECTION 35 TOWNSHIP 124 RANGE 028 SECTION 35 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	35
Legal Subdivision	STERLING WOODS
Legal Block	4
Legal Lot Number	7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	402

Owner

Source: Stearns County records, as of June 22, 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	1641 38TH ST S, SAINT CLOUD, MN 56301-9547
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 5, 2026	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Nov 7, 2022	Warranty Deed, Transfer MISC COMPANY
Feb 7, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 5, 2026 · Amount on Record
Deed Sale	Jun 5, 2026 · Amount on Record
Prior Sale	Feb 7, 2020 · Amount on Record
Deed Document Number	20261714536
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 5, 2026
Property Address	1641 38TH ST S, SAINT CLOUD, MN 56301-9547
Document Number	0001714536
Instrument Date	May 22, 2026
Instrument	20261714536
Transaction Type	Transfer
Record Updated	Jun 22, 2026
Title Company	INTERSTATE TITLE, INTERSECT TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$116,655.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1641 38TH ST S, SAINT CLOUD, MN 56301-9547

Mortgage

Document Number	0001714537,
Date	Jun 5, 2026
Instrument	20261714537

Lender

Name	BELL BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 7, 2022
Property Address	1641 38TH ST S, SAINT CLOUD, MN 56301-9547
Document Number	00A1643942
Instrument Date	Oct 31, 2022
Instrument	A1643942
Transaction Type	Transfer
Record Updated	Dec 9, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1641 38TH ST S, SAINT CLOUD, MN 56301-9547

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 7, 2020
Property Address	1641 38TH ST S, SAINT CLOUD, MN 56301-9547
Document Number	00A1562618
Instrument Date	Feb 4, 2020
Instrument	A1562618
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	618 DOHN AVE, BISMARCK, ND 58503-1012

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$5,034.00 (+17.18%)
2025		$352,600 (+4.04%) Land $65,000 Building $287,600	$352,600 (+4.04%) Land $65,000 Building $287,600
2023	$4,296.00	$338,900 Land $65,000 Building $273,900	$338,900 Land $65,000 Building $273,900

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 · 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 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	0.02% 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 257 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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