Sherburne County property record for 1880 45th St SE, Saint Cloud, MN 56304 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,568 sqft · built 1998 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Individual Name on File |
| Last Sale | $355,000 (Oct 2025) |
| Tax Bill | $3,296 (2025) |
| Deeds & Mortgages | Oct 2025 Transfer Oct 2025 Sale & Mortgage + 3 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-428-0110 |
| Primary APN | 25-428-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Half Baths | 1 Half Bath |
| Stories | 3 Stories |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Basement Area | 648 sqft |
| Finished Basement | 648 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1998 |
|---|---|
| Effective Year Built | Effective 1998 |
| Architectural Style | Split Level |
| Exterior Material | Vinyl |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Type | Attached |
| Garage Area | 656 sqft |
| Driveway | Driveway |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 234 sqft |
| Patio Area | 430 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 1880 45TH ST SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-8546 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 2, BLK 1 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 19 |
| Legal Subdivision | PRAIRIE WOODS ESTATES 4TH ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30302 |
Source: Sherburne County records · APN 25-428-0110
Assessment roll updated August 4, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 07, 2025 | Affidavit of Death of Joint Tenant, Transfer |
| Oct 07, 2025 | Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA |
| May 15, 2020 | Deed of Trust, Mortgage · Conventional Mortgage BREMER BANK |
| Feb 15, 2019 | Affidavit, Transfer · Conventional Mortgage BREMER BANK NA |
| May 03, 2017 | Loan Modification, Mortgage · Line of Credit FIRST MN BK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Oct 07, 2025 · Amount on Record |
| Deed Sale | Oct 07, 2025 · Amount on Record |
| Prior Sale | Mar 19, 2009 · Amount on Record |
| Deed Document Number | 2025988900 |
| Prior Transfer Date | Mar 04, 2025 |
| Prior Transfer Doc | 0000980033 |
| Record Updated | Sep 20, 2026 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Oct 07, 2025 |
| Property Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000988899 |
| Instrument Date | Oct 01, 2025 |
| Instrument | 988899 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1764 UNDERWOOD AVE, STEWART, MN 55385-6006 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Oct 07, 2025 |
| Property Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000988900 |
| Instrument Date | Oct 01, 2025 |
| Instrument | 988900 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2025 |
| Title Company | TRI-COUNTY ABSTRACT, TRI COUNTY ABST |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,171.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000988901 |
|---|---|
| Date | Oct 07, 2025 |
| Instrument | 988901 |
| Name | LIBERTY BANK MINNESOTA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Nov 01, 2055 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000891564 |
|---|---|
| Date | May 15, 2020 |
| Instrument | 891564 |
| Name | BREMER BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jun 01, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Affidavit |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Feb 15, 2019 |
| Property Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000868468 |
| Instrument Date | Feb 08, 2019 |
| Instrument | 868468 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | HEARTLAND TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000868469 |
|---|---|
| Date | Feb 15, 2019 |
| Instrument | 868469 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Mar 01, 2034 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Loan Modification |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 1880 45TH ST SE, SAINT CLOUD, MN 56304-8546 |
| Document Number | 0000838521 |
| Instrument Date | May 03, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Jun 05, 2017 |
| Name | Verified Name |
|---|---|
| Address | 1880 45TH ST SE ST CLOUD MN 563048546, ST CLOUD, MN 56304-8546 |
| Document Number | 0000838521 |
|---|---|
| Date | May 15, 2017 |
| Instrument | 838521 |
| Name | FIRST MN BK |
|---|---|
| Type | Bank |
| Address | HUTCHINSON, MN 55350 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 36 Months |
| Due | May 14, 2020 |
| Rate Type | Adjustable Rate |
|---|
Source: Sherburne County records · Assessment roll updated August 4, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| 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 | $391,500 (-3.14%) Land $124,800 Building $266,700 | $391,500 (-3.14%) Land $124,800 Building $266,700 | |
| 2025 | $3,296.00 (+10.23%) | $404,200 (+2.33%) Land $122,700 Building $281,500 | $404,200 (+2.33%) Land $122,700 Building $281,500 |
| 2023 | $2,990.00 | $395,000 Land $120,400 Building $274,600 | |
| 2021 | $395,000 Land $120,400 Building $274,600 |
Source: FEMA National Flood Hazard Layer, Sherburne County (27141C), updated November 16, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271410303021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 2 in force |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Direct burnable vegetation at the parcel |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 11 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Verizon | Fixed Wireless | 300 / 20 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| AT&T | Fixed Wireless | 25 / 3 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Midcontinent Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.
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