Benton County property record for 1814 7th St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.294 acres (12,824 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $280,000 (Oct 2006) |
| Tax Bill | $6,290 (2026) |
| Deeds & Mortgages | Dec 2020 Mortgage Aug 2006 Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01493.00 |
| Primary APN | 17.01493.00 |
|---|
| Lot Area | 12,824 sqft (0.294 acres) |
|---|
| Street Address | 1814 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-004 BLOCK-005 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 31 |
| Legal Subdivision | OAKWOOD HEIGHTS |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3005 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.01493.00
Assessment roll updated July 16, 2026 · Last verified July 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 | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 14, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ENVISION CAPITAL INC |
| Aug 07, 2006 | Deed of Trust, Mortgage · Conventional Mortgage OPTIMUM MORTGAGE SERVICES INC |
| Apr 17, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Dec 22, 2025 | Transfer on Death Deed, Transfer |
| Oct 02, 2006 | Warranty Deed, Transfer · ARM DECISION ONE MORTGAGE CO LLC |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Oct 02, 2006 · Amount on Record |
| Deed Sale | Oct 02, 2006 · Amount on Record |
| Deed Document Number | 20061342491 |
| Last Transfer Date | Dec 18, 2025 |
| Transfer Doc | 0000481101 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000448161 |
|---|---|
| Date | Dec 14, 2020 |
| Instrument | 448161 |
| Name | ENVISION CAPITAL INC |
|---|---|
| Type | Non-Lending Institution |
| Address | HOPKINS, MN 55305 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Transaction Type | Mortgage |
| Record Updated | Jun 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0001340630 |
|---|---|
| Date | Aug 07, 2006 |
| Instrument | 1340630 |
| Name | OPTIMUM MORTGAGE SERVICES INC |
|---|---|
| Type | Non-Lending Institution |
| Address | SAINT PAUL, MN 55122 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2036 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Apr 17, 2026 |
| Property Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Document Number | 0000482824 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 2026482824 |
| Transaction Type | Transfer |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount Recorded |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Dec 22, 2025 |
| Property Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Document Number | 0000481101 |
| Instrument Date | Dec 18, 2025 |
| Instrument | 481101 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Mail Care Of | EMILY E LALIBERTE |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 02, 2006 |
| Property Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Document Number | 0001342491 |
| Instrument Date | Sep 27, 2006 |
| Instrument | 1342491 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2026 |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $924.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 00000 |
| Name | Verified Name |
|---|---|
| Address | 1814 7TH ST SE, SAINT CLOUD, MN 56304-1352 |
| Document Number | 0001342492 |
|---|---|
| Date | Oct 02, 2006 |
| Instrument | 1342492 |
| Name | DECISION ONE MORTGAGE CO LLC |
|---|---|
| Type | Mortgage Company |
| Type | ARM |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.52% |
| Type Change Date | Oct 01, 2008 |
| Change Frequency | 6 Months |
| Min Rate At Change | 7.52% |
| Max Rate At Change | 10.5% |
| Index | 6-Month LIBOR |
| Max Rate | 13.5% |
| Document Number | 0001342493 |
|---|---|
| Date | Oct 02, 2006 |
| Instrument | 1342493 |
| Name | DECISION ONE LOAN CO OF MINNESOTA |
|---|---|
| Address | MINNEAPOLIS, MN 55426 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Oct 01, 2021 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,290.00 (+21.05%) Homeowner's exemption | $412,700 (-) Land $50,000 Building $362,700 | $412,700 (-) Land $50,000 Building $362,700 |
| 2025 | $5,196.00 (+5.61%) Homeowner's exemption | $412,700 (+6.97%) Land $50,000 Building $362,700 | $412,700 (+6.97%) Land $50,000 Building $362,700 |
| 2023 | $4,920.00 | $385,800 Land $50,000 Building $335,800 | $385,800 Land $50,000 Building $335,800 |
Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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.
Based on FCC filings for 106 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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