Stearns County property record for 1891 Ladbrook Ln, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 2 ba · 1,360 sqft · built 2013 |
| Lot Size | 0.229 acres (9,975 sqft) |
| Owner | Company Name on File |
| Tax Bill | $4,188 (2026) |
| Deeds & Mortgages | Apr 2026 Mortgage Apr 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-47768-0002 |
| Primary APN | 82-47768-0002 |
|---|
| Full Baths | 2 Baths |
|---|---|
| Stories | 1 Story |
| Building Area | 1,360 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2013 |
|---|---|
| Effective Year Built | Effective 2013 |
| Exterior Material | Stone |
| Roof Material | Asphalt |
| Lot Area | 9,975 sqft (0.229 acres) |
| Lot Width | 52 ft Width |
| Garage Area | 746 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 1891 LADBROOK LN |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-4849 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD57 |
| Legal Description | LOT 003 BLK 001 LADBROOK PARK SECTION 05 TOWNSHIP 124 RANGE 028 SECTION 05 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 05 |
| Legal Subdivision | LADBROOK PARK |
| Legal Block | 1 |
| Legal Lot Number | 3 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1005 |
| Census Tract | 1003 |
1891 Ladbrook Ln, a single family home, is owned by a company.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 15 17TH AVE S, SAINT CLOUD, MN 56301-4138 |
| Owner Type | Company |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Apr 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERITAS LIFE INSURANCE CORPORATION |
| Apr 29, 2026 | Deed of Trust, Mortgage · Conventional Mortgage AMERITAS LIFE INSURANCE CORPORATION |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Apr 29, 2026 |
| Property Address | 1891 LADBROOK LN, SAINT CLOUD, MN 56303-4849 |
| Document Number | 0001712161 |
| Instrument Date | Apr 22, 2026 |
| Instrument | 20261712161 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Partnership, 283 |
| Document Number | 0001712161, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20261712161 |
| Name | AMERITAS LIFE INSURANCE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.38% |
|---|---|
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Apr 29, 2026 |
| Property Address | 1891 LADBROOK LN, SAINT CLOUD, MN 56303-4849 |
| Document Number | 0001712162 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 20261712162 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Partnership, 283 |
| Document Number | 0001712162, |
|---|---|
| Date | Apr 29, 2026 |
| Instrument | 20261712162 |
| Name | AMERITAS LIFE INSURANCE CORPORATION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 1891 Ladbrook Ln was $4,188.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,188.00 | $232,200 (-) Land $40,000 Building $192,200 | $232,200 (-) Land $40,000 Building $192,200 |
| 2025 | $232,200 Land $40,000 Building $192,200 | $232,200 Land $40,000 Building $192,200 | |
| 2023 | $4,030.00 | $223,000 Land $40,000 Building $183,000 | $223,000 Land $40,000 Building $183,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 1891 Ladbrook Ln in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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 | 4 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 risk around 1891 Ladbrook Ln is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 259 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Intrepid Fiber Networks Fiber | 2,000 / 2,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| CenturyLink DSL | 140 / 20 |
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