1807 Oban Dr, Saint Cloud, MN 56303 Property Records

Stearns County property record for 1807 Oban Dr, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,360 sqft · built 2014
Lot Size	0.168 acres (7,318 sqft)
Owner	Company Name on File
Tax Bill	$4,188 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-47768-0054`

Property Details

APN / Parcel Number

Primary APN	`82-47768-0054`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,360 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2014
Effective Year Built	Effective 2014
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	7,318 sqft (0.168 acres)
Lot Width	60 ft Width
Garage Area	746 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1807 OBAN DR
City	SAINT CLOUD
State	MN
Zip	56303-4858
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD57
Legal Description	LOT 011 BLK 002 LADBROOK PARK SECTION 05 TOWNSHIP 124 RANGE 028 SECTION 05 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	05
Legal Subdivision	LADBROOK PARK
Legal Block	2
Legal Lot Number	11
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
Census Tract	1003

Owner

1807 Oban Dr, a single family home, is owned by a company.

Source: Stearns County records, as of July 30, 2026

Owner of Record	Company Name on File
Mailing Address	15 17TH AVE S, SAINT CLOUD, MN 56301-4138
Owner Type	Company

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

Date	Document
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERITAS LIFE INSURANCE CORPORATION
Apr 29, 2026	Deed of Trust, Mortgage · Conventional Mortgage AMERITAS LIFE INSURANCE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 29, 2026
Property Address	1807 OBAN DR, SAINT CLOUD, MN 56303-4858
Document Number	0001712161
Instrument Date	Apr 22, 2026
Instrument	20261712161
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership, 283

Mortgage

Document Number	0001712161,
Date	Apr 29, 2026
Instrument	20261712161

Lender

Name	AMERITAS LIFE INSURANCE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.38%
Max Rate	-1%

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 29, 2026
Property Address	1807 OBAN DR, SAINT CLOUD, MN 56303-4858
Document Number	0001712162
Instrument Date	Apr 20, 2026
Instrument	20261712162
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Partnership, 283

Mortgage

Document Number	0001712162,
Date	Apr 29, 2026
Instrument	20261712162

Lender

Name	AMERITAS LIFE INSURANCE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

Interest

Rate	6.22%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 1807 Oban Dr was $4,188.

Source: Stearns County assessment roll, as of July 30, 2026

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	$4,188.00	$232,200 (-) Land $40,000 Building $192,200	$232,200 (-) Land $40,000 Building $192,200
2025		$232,200 Land $40,000 Building $192,200	$232,200 Land $40,000 Building $192,200
2023	$4,030.00	$223,000 Land $40,000 Building $183,000	$223,000 Land $40,000 Building $183,000

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

Flood

FEMA maps place 1807 Oban Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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	4 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 1807 Oban Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 354 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
CenturyLink DSL	140 / 20

May also be available: Verizon, Xtratyme Technologies.

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