1724 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1724 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.238 acres (10,401 sqft)
Owner	Individual Name on File
Last Sale	$178,000 (May 2020)
Tax Bill	$3,150 (2025)
Deeds & Mortgages	May 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-410-0226`

Property Details

APN / Parcel Number

Primary APN	`85-410-0226`
Alternative APNs	`85-00410-0226` `42785`

Exterior

Lot Area	10,401 sqft (0.238 acres)

Location & Zoning

Account Number	42785
Street Address	1724 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-2220
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 13, BLK 2
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	ROYAL OAKS
Legal Block	2
Legal Lot Number	13
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3003
Census Tract	31500

Owner

1724 12th Ave SE is owned and occupied by an individual who bought it in May 2020.

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

Owner of Record	Individual Name on File
Mailing Address	1724 12TH AVE SE, SAINT CLOUD, MN 56304-2220
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 13, 2020 · Amount on File
Deed Sale	May 13, 2020 · Amount on File
Deed Document Number	2020891450
Prior Transfer Date	May 6, 2019
Prior Transfer Doc	0000872147
Record Updated	Oct 29, 2026

May 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 13, 2020
Property Address	1724 12TH AVE SE, SAINT CLOUD, MN 56304-2220
Document Number	0000891450
Instrument Date	May 7, 2020
Instrument	891450
Transaction Type	Transfer
Record Updated	Jun 29, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$587.40
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	1724 12TH AVE SE, SAINT CLOUD, MN 56304-2220

Mortgage

Document Number	0000891451
Date	May 13, 2020
Instrument	891451

Lender

Name	AMERICAN HERITAGE NATL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 1724 12th Ave SE was $3,150 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		$237,900 (-) Land $40,000 Building $197,900	$237,900 (-) Land $40,000 Building $197,900
2025	$3,150.00	$237,900 Land $40,000 Building $197,900	$237,900 Land $40,000 Building $197,900
2023	$2,526.00	$237,900 Land $40,000 Building $197,900
2021			$237,900 Land $40,000 Building $197,900

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

Flood

FEMA maps place 1724 12th Ave SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 1724 12th Ave SE is low, with a 0.02% 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	0.02% 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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