1700 Cooper Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1700 Cooper Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 1,853 sqft · built 1956
Lot Size	0.44 acres (19,166 sqft)
Owner	2 Individual Names on Record
Last Sale	$345,000 (Apr 2026)
Tax Bill	$3,666 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Apr 2026 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-44121-0000`

Property Details

APN / Parcel Number

Primary APN	`82-44121-0000`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,853 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1956
Effective Year Built	Effective 1956
Roof Material	Asphalt
Lot Area	19,166 sqft (0.44 acres)
Lot Width	90 ft Width
Garage Area	780 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1700 COOPER AVE S
City	SAINT CLOUD
State	MN
Zip	56301-4500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.44A NWNW DAF: BEG AT PT ON W LINE SEC 23, 870.45' DUE S OF NW CORNER; THEN DUE S ON SEC LINE 122.55'; THEN N 89D E 248';
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	METES AND BOUNDS DESC.
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	402

Owner

Source: Stearns County records, as of July 2, 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	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Apr 2, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Sep 27, 2017	Intrafamily Transfer, Transfer NORTH OAKLAND TITLE COMPANY, NORTHLAND TITLE CO

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 2, 2026 · Amount on Record
Deed Sale	Apr 2, 2026 · Amount on Record
Prior Sale	Jun 21, 2024 · Amount on Record
Deed Document Number	20261710607
Prior Transfer Date	Sep 7, 2017
Prior Transfer Doc	00A1505453
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 2, 2026
Property Address	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500
Document Number	00A1710607
Instrument Date	Mar 27, 2026
Instrument	20261710607
Transaction Type	Transfer
Record Updated	Jul 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114,988.50
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	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500

Mortgage

Document Number	0001710608,
Date	Apr 2, 2026
Instrument	20261710608

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 2, 2026
Property Address	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500
Document Number	0001710607
Instrument Date	Mar 27, 2026
Instrument	20261710607
Transaction Type	Transfer
Record Updated	Apr 16, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$114,988.50
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	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500

Mortgage

Document Number	0001710608,
Date	Apr 2, 2026
Instrument	20261710608

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.01%
Initial Type	Fixed Rate
Max Rate	-1%

September 2017: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	STEARNS MN
Recording Date	Sep 27, 2017
Property Address	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500
Document Number	00A1505453
Instrument Date	Sep 7, 2017
Instrument	A1505453
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	NORTH OAKLAND TITLE COMPANY, NORTHLAND TITLE CO

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1700 COOPER AVE S, SAINT CLOUD, MN 56301-4500

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	$3,666.00 (+32.83%)
2025		$246,700 (+3.96%) Land $50,000 Building $196,700	$246,700 (+3.96%) Land $50,000 Building $196,700
2023	$2,760.00	$237,300 Land $50,000 Building $187,300	$237,300 Land $50,000 Building $187,300

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	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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