Sherburne County property record for 1853 45th St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,923 sqft · built 1998 |
| Lot Size | 2.77 acres (120,661 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $17,500 (Jun 1998) |
| Tax Bill | $4,292 (2025) |
| Deeds & Mortgages | Oct 2020 Mortgage Jul 2018 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-019-3401 |
| Primary APN | 25-019-3401 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,923 sqft Living Area |
| 1st Floor Area | 1,923 sqft |
| Basement Area | 1,370 sqft |
| Finished Basement | 1,370 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1999 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 120,661 sqft (2.77 acres) |
| Garage Type | Attached |
| Garage Area | 902 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 102 sqft |
| Patio Area | 943 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1853 45TH ST SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-8546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | THAT PT OF S 1-2 OF SW 1-4 DES AS FOLLOWS: BEG AT NE CORNER OF LOT 5, BLK 2, PRAIRIE WOODS EST 3RD ADD, THENCE N 88 DEG 51 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 19 |
| Legal Subdivision | PRAIRIE WOODS ESTATES 3RD ADD |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1017 |
| Census Tract | 30302 |
Source: Sherburne County records, as of August 4, 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 | 1853 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK |
| Jul 13, 2018 | Warranty Deed, Transfer · Conventional with PMI BANKVISTA |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 5, 1998 · Amount on Record |
| Deed Sale | Jun 5, 1998 · Amount on Record |
| Prior Sale | Apr 30, 1997 · Amount on Record |
| Deed Document Number | 199844050 |
| Last Transfer Date | Feb 26, 2025 |
| Transfer Doc | 0000979951 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1853 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000903810 |
|---|---|
| Date | Oct 28, 2020 |
| Instrument | 903810 |
| Name | BREMER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Jul 13, 2018 |
| Property Address | 1853 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000858925 |
| Instrument Date | Jul 9, 2018 |
| Instrument | 858925 |
| Transaction Type | Transfer |
| Record Updated | Jul 25, 2018 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,105.50 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 1853 45TH ST SE ST CLOUD MN 563048546, ST CLOUD, MN 56304-8546 |
| Document Number | 858926 |
|---|---|
| Date | Jul 13, 2018 |
| Instrument | 858926 |
| Name | BANKVISTA |
|---|---|
| Type | Bank |
| Address | SARTELL, MN 56377 |
| Type | Conventional with PMI |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 12, 2048 |
Source: Sherburne County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $511,600 (-0.1%) Land $127,600 Building $384,000 | $511,600 (-0.1%) Land $127,600 Building $384,000 | |
| 2025 | $4,292.00 (+13.37%) | $512,100 (+4.45%) Land $125,100 Building $387,000 | $512,100 (+4.45%) Land $125,100 Building $387,000 |
| 2023 | $3,786.00 | $490,300 Land $128,100 Building $362,200 | |
| 2021 | $490,300 Land $128,100 Building $362,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 | 2 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.
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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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