1705 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1705 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.271 acres (11,833 sqft)
Owner	Individual Name on Record
Last Sale	$287,500 (Oct 2023)
Tax Bill	$3,922 (2025)
Deeds & Mortgages	Oct 2023 Sale & Mortgage May 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85-410-0302`

Property Details

APN / Parcel Number

Primary APN	`85-410-0302`
Alternative APNs	`85-00410-0302` `42802`

Exterior

Lot Area	11,833 sqft (0.271 acres)

Location & Zoning

Street Address	1705 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-2221
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK 3
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	ROYAL OAKS
Legal Block	3
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	31500

Owner

Source: Sherburne County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2023	Warranty Deed, Transfer UIF CORP
May 7, 2021	Warranty Deed, Transfer · FHA Mortgage AXIA FINANCIAL LLC
Sep 26, 2017	Warranty Deed, Transfer BROKER SOLUTIONS INC
Apr 10, 2017	Trustee's Deed, Construction Loan · Line of Credit LIBERTY BK MN

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 30, 2023 · Amount on Record
Deed Sale	Oct 30, 2023 · Amount on Record
Prior Sale	May 7, 2021 · Amount on Record
Deed Document Number	2023963175
Record Updated	Jun 8, 2026

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 30, 2023
Property Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221
Document Number	0000963175
Instrument Date	Oct 27, 2023
Instrument	963175
Transaction Type	Transfer
Record Updated	Nov 8, 2023
Title Company	PARTNERS IN TITLE LLC, PARTNERS TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$948.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221

Mortgage

Document Number	0000963176
Date	Oct 30, 2023
Instrument	963176

Lender

Name	UIF CORP
Type	Mortgage Company

Agreement

Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2053

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 7, 2021
Property Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221
Document Number	0000918627
Instrument Date	Apr 30, 2021
Instrument	918627
Transaction Type	Transfer
Record Updated	Jun 2, 2021
Title Company	TRADEMARK TITLE SERVICES INC, TRADEMARK TITLE SERVICES

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221

Mortgage

Document Number	0000918628
Date	May 7, 2021
Instrument	918628

Lender

Name	AXIA FINANCIAL LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 26, 2017
Property Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221
Document Number	0000845588
Instrument Date	Sep 7, 2017
Instrument	845588
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221

Mortgage

Document Number	0000845590
Date	Sep 26, 2017
Instrument	845590

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2047

April 2017: Trustee's Deed, Construction Loan

Document Type	Trustee's Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 10, 2017
Property Address	1705 12TH AVE SE, SAINT CLOUD, MN 56304-2221
Instrument Date	Mar 7, 2017
Instrument	836836
Transaction Type	Construction Loan
Record Updated	Apr 25, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	1705 12TH AVE SE ST CLOUD MN 563042221, ST CLOUD, MN 56304-2221

Mortgage

Document Number	0000836836
Date	Apr 10, 2017
Instrument	836836

Lender

Name	LIBERTY BK MN
Address	SAINT CLOUD, MN 56302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 9, 2018

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

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
2025	$3,922.00 (+29.1%)	$267,600 (-) Land $40,000 Building $227,600	$267,600 (-) Land $40,000 Building $227,600
2023	$3,038.00	$267,600 Land $40,000 Building $227,600
2021			$267,600 Land $40,000 Building $227,600

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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