1803 13th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1803 13th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.256 acres (11,181 sqft)
Owner	Individual Name on File
Last Sale	$219,900 (Oct 2020)
Tax Bill	$1,850 (2025)
Deeds & Mortgages	Nov 2022 Second Mortgage Sep 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-410-0234`

Property Details

APN / Parcel Number

Primary APN	`85-410-0234`
Alternative APNs	`85-00410-0234` `42789`

Exterior

Lot Area	11,181 sqft (0.256 acres)

Location & Zoning

Street Address	1803 13TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-2231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 17, BLK 2
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	ROYAL OAKS
Legal Block	2
Legal Lot Number	17
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3003
Census Tract	31500

Owner

1803 13th Ave SE is owned and occupied by an individual who bought it in October 2020.

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

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	1803 13TH AVE SE, SAINT CLOUD, MN 56304-2231
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Sep 14, 2022	Deed of Trust, Mortgage · VA Mortgage PENNYMAC LOAN SERVICES LLC
Oct 18, 2020	Warranty Deed, Transfer · VA Mortgage HOMEOWNERS FIN'L GRP USA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 19, 2020 · Amount on File
Deed Sale	Oct 19, 2020 · Amount on File
Deed Document Number	2020903063
Record Updated	Jun 8, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1803 13TH AVE SE, SAINT CLOUD, MN 56304-2231
Transaction Type	Mortgage
Record Updated	Dec 9, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000951502
Date	Nov 30, 2022
Instrument	951502

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	121 Months
Due	Dec 5, 2032

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1803 13TH AVE SE, SAINT CLOUD, MN 56304-2231
Transaction Type	Mortgage
Record Updated	Sep 23, 2022
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 13TH AVE SE, SAINT CLOUD, MN 56304-2231

Mortgage

Document Number	0000948307
Date	Sep 14, 2022
Instrument	948307

Lender

Name	PENNYMAC LOAN SERVICES LLC
Type	Mortgage Company
Address	MOORPARK, CA 93021

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	338 Months
Due	Nov 1, 2050

October 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 18, 2020
Property Address	1803 13TH AVE SE, SAINT CLOUD, MN 56304-2231
Document Number	0000903063
Instrument Date	Oct 9, 2020
Instrument	903063
Transaction Type	Transfer
Record Updated	Oct 30, 2020
Title Company	STEARNS COUNTY ABSTRACT AND TITLE COMPANY, STEARNS CNTY ABS & TITLE CO

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1803 13TH AVE SE ST CLOUD MN 563042231, ST CLOUD, MN 56304-2231

Mortgage

Document Number	903064
Date	Oct 18, 2020
Instrument	903064

Lender

Name	HOMEOWNERS FIN'L GRP USA
Type	Funding / Finance Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 17, 2050

Tax Assessment & Valuation

The 2025 property tax bill for 1803 13th Ave SE was $1,850.

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	$1,850.00	$270,500 Land $40,000 Building $230,500	$270,500 Land $40,000 Building $230,500
2023	$3,074.00	$270,500 Land $40,000 Building $230,500
2021			$270,500 Land $40,000 Building $230,500

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

Flood

FEMA maps place 1803 13th 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 1803 13th 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.

Nearby Properties on 13th Ave SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures