1820 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 1820 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.591 acres (25,774 sqft)
Owner	2 Individual Names on Record
Last Sale	$346,000 (Aug 2020)
Tax Bill	$6,446 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Aug 2020 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01292.00`

Property Details

APN / Parcel Number

Primary APN	`17.01292.00`

Exterior

Lot Area	25,774 sqft (0.591 acres)

Location & Zoning

Street Address	1820 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1368
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS 3RD ADDN LOT-015 BLOCK-006 & LOTS 9,10,11,12.13,14 & 16
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS 3RD ADDN
Legal Block	6
Legal Lot Number	9-12,15
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 17, 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 2ND ST SE, SAINT CLOUD, MN 56304-1368
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2026	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK
Aug 24, 2020	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA
Mar 12, 2020	Affidavit of Death of Joint Tenant, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 24, 2020 · Amount on Record
Deed Sale	Aug 24, 2020 · Amount on Record
Prior Sale	Jul 9, 2012 · Amount on Record
Deed Document Number	2020445318
Prior Transfer Date	Mar 10, 2020
Prior Transfer Doc	441738
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jun 30, 2026
Property Address	1820 2ND ST SE, SAINT CLOUD, MN 56304-1368
Document Number	0000484242
Instrument Date	Jun 5, 2026
Instrument	2026484242
Transaction Type	Mortgage
Record Updated	Jul 17, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1820 2ND ST SE, SAINT CLOUD, MN 56304-1368

Mortgage

Document Number	0000484242,
Date	Jun 30, 2026
Instrument	2026484242

Lender

Name	LIBERTY BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	84 Months
Due	Jun 10, 2033

Interest

Rate	6.37%
Max Rate	-1%

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 24, 2020
Property Address	1820 2ND ST SE, SAINT CLOUD, MN 56304-1368
Document Number	445318
Instrument Date	Aug 21, 2020
Instrument	445318
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,141.80
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 2ND ST SE, SAINT CLOUD, MN 56304-1368

Mortgage

Document Number	445319
Date	Aug 24, 2020
Instrument	445319

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2050

March 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BENTON MN
Recording Date	Mar 12, 2020
Property Address	1820 2ND ST SE, SAINT CLOUD, MN 56304-1368
Document Number	441738
Instrument Date	Mar 10, 2020
Instrument	441738
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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
Address	1820 2ND ST SE, SAINT CLOUD, MN 56304-1368

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	$6,446.00 (+20.8%) Homeowner's exemption	$422,000 (-) Land $60,000 Building $362,000	$422,000 (-) Land $60,000 Building $362,000
2025	$5,336.00 (+5.41%) Homeowner's exemption	$422,000 (+6.78%) Land $60,000 Building $362,000	$422,000 (+6.78%) Land $60,000 Building $362,000
2023	$5,062.00	$395,200 Land $60,000 Building $335,200	$395,200 Land $60,000 Building $335,200

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 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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