1820 11th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 1820 11th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.233 acres (10,160 sqft)
Owner	2 Individual Names on Record
Last Sale	$280,000 (Jun 2023)
Tax Bill	$3,588 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Jun 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-412-0050`

Property Details

APN / Parcel Number

Primary APN	`85-412-0050`
Alternative APNs	`85-00412-0050` `42837`

Exterior

Lot Area	10,160 sqft (0.233 acres)

Location & Zoning

Street Address	1820 11TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-2214
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SLY 35 FT OF LOT 10 & ALL OF LOT 11, BLK 100
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST ST. CLOUD - BLKS OVER 99
Legal Block	100
Legal Lot Number	10-11
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3000
Census Tract	31500

Owner

Source: Sherburne County records, as of April 21, 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 Record
Mailing Address	1820 11TH AVE SE, SAINT CLOUD, MN 56304-2214
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 30, 2025	Deed of Trust, Mortgage · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC
Jun 28, 2023	Warranty Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 20, 2023 · Amount on Record
Deed Sale	Jun 20, 2023 · Amount on Record
Prior Sale	Jun 27, 2013 · Amount on Record
Deed Document Number	20231550348
Record Updated	Jun 8, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	1820 11TH AVE SE, SAINT CLOUD, MN 56304-2214
Transaction Type	Mortgage
Record Updated	Nov 14, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 11TH AVE SE, SAINT CLOUD, MN 56304-2214

Mortgage

Document Number	0000989894
Date	Oct 30, 2025
Instrument	989894

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company
Address	CLEVELAND, OH 44114

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2055

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 28, 2023
Property Address	1820 11TH AVE SE, SAINT CLOUD, MN 56304-2214
Document Number	0000958388
Instrument Date	Jun 20, 2023
Instrument	958388
Transaction Type	Transfer
Record Updated	Jul 5, 2023
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$924.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1820 11TH AVE SE, SAINT CLOUD, MN 56304-2214

Mortgage

Document Number	0000958389
Date	Jun 28, 2023
Instrument	958389

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

Tax Assessment & Valuation

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	$3,588.00 (+33.88%)	$244,700 (+1.66%) Land $40,000 Building $204,700	$244,700 (+10.47%) Land $40,000 Building $204,700
2023	$2,680.00	$240,700 (+8.67%) Land $30,000 Building $210,700
2022		$221,500 Land $30,000 Building $191,500	$221,500 (-7.98%) Land $30,000 Building $191,500
2021			$240,700 Land $30,000 Building $210,700

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 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

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.

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