1810 7th St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 1810 7th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.294 acres (12,824 sqft)
Owner	Individual Name on Record
Last Sale	$14,900 (Jun 2016)
Tax Bill	$5,864 (2026)
Deeds & Mortgages	May 2021 Mortgage Oct 2022 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01492.00`

Property Details

APN / Parcel Number

Primary APN	`17.01492.00`

Exterior

Lot Area	12,824 sqft (0.294 acres)

Location & Zoning

Street Address	1810 7TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1352
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 OAKWOOD HEIGHTS LOT-003 BLOCK-005
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	OAKWOOD HEIGHTS
Legal Block	5
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3005
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	1810 7TH ST SE, SAINT CLOUD, MN 56304-1352
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MINNESOTA CU
Oct 17, 2022	Deed of Trust, Mortgage · Line of Credit STEARNS BANK NA
Dec 1, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 2, 2016 · Amount on Record
Deed Sale	Jun 2, 2016 · Amount on Record
Prior Sale	Dec 5, 2007 · Amount on Record
Deed Document Number	2016416288
Last Transfer Date	Nov 22, 2022
Transfer Doc	0000464024
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1810 7TH ST SE, SAINT CLOUD, MN 56304-1352
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000452469
Date	May 19, 2021
Instrument	452469

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	SARTELL, MN 56377

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Jun 1, 2036

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	1810 7TH ST SE, SAINT CLOUD, MN 56304-1352
Transaction Type	Mortgage
Record Updated	Mar 9, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1810 7TH ST SE, SAINT CLOUD, MN 56304-1352

Mortgage

Document Number	0000463346
Date	Oct 17, 2022
Instrument	463346

Lender

Name	STEARNS BANK NA
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Sep 15, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

December 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Dec 1, 2022
Property Address	1810 7TH ST SE, SAINT CLOUD, MN 56304-1352
Document Number	0000464024
Instrument Date	Nov 22, 2022
Instrument	464024
Transaction Type	Transfer
Record Updated	Mar 9, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	1810 7TH ST SE, SAINT CLOUD, MN 56304-1352

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$5,864.00 (+25.35%) Homeowner's exemption	$387,400 (+6.9%) Land $50,000 Building $337,400	$387,400 (+6.9%) Land $50,000 Building $337,400
2023	$4,678.00	$362,400 Land $50,000 Building $312,400	$362,400 Land $50,000 Building $312,400

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 July 29, 2019

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 66% of the US · above 60% of Minnesota
Wildfire Likelihood	0.03% 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 106 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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