Sherburne County property record for 1780 45th St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,704 sqft · built 1997 |
| Lot Size | 2.51 acres (109,336 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,966 (2025) |
| Deeds & Mortgages | Mar 2019 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-423-0125 |
| Primary APN | 25-423-0125 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,704 sqft Living Area |
| 1st Floor Area | 1,704 sqft |
| Basement Area | 1,704 sqft |
| Finished Basement | 1,704 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1997 |
|---|---|
| Effective Year Built | Effective 1997 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 109,336 sqft (2.51 acres) |
| Garage Type | Attached |
| Garage Area | 943 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 40 sqft |
| Deck Area | 288 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1780 45TH ST SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-8540 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 5, BLK 1 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 19 |
| Legal Subdivision | PRAIRIE WOODS ESTATES 3RD ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30302 |
Source: Sherburne County assessment roll, as of August 4, 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 File |
|---|---|
| Mailing Address | 1780 45TH ST SE, SAINT CLOUD, MN 56304-8540 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1780 45TH ST SE, SAINT CLOUD, MN 56304-8540 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000869929 |
|---|---|
| Date | Mar 28, 2019 |
| Instrument | 869929 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 72 Months |
| Due | Apr 21, 2025 |
| Rate Type | Fixed Rate |
|---|
Source: Sherburne County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $478,500 (+0.04%) Land $124,900 Building $353,600 | $478,500 (+0.04%) Land $124,900 Building $353,600 | |
| 2025 | $3,966.00 (+11.91%) | $478,300 (+4.68%) Land $122,700 Building $355,600 | $478,300 (+4.68%) Land $122,700 Building $355,600 |
| 2023 | $3,544.00 | $456,900 Land $120,500 Building $336,400 | |
| 2021 | $456,900 Land $120,500 Building $336,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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