1902 13th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1902 13th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,704 sqft · built 1975
Lot Size	0.37 acres (16,117 sqft)
Owner	Individual Name on Record
Last Sale	$333,000 (Jun 2026)
Tax Bill	$3,620 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-49918-0000`

Property Details

APN / Parcel Number

Primary APN	`82-49918-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,704 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Width	72 ft Width
Garage Area	616 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1902 13TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-4811
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 002 BLK 003 PAULSEN ADD SECTION 15 TOWNSHIP 124 RANGE 028 SECTION 15 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	15
Legal Subdivision	PAULSEN ADD
Legal Block	3
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3003
Census Tract	401

Owner

Source: Stearns County records, as of June 23, 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	1902 13TH ST S, SAINT CLOUD, MN 56301-4811
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 9, 2026 · Amount on Record
Deed Sale	Jun 9, 2026 · Amount on Record
Prior Sale	Jan 28, 2025 · Amount on Record
Deed Document Number	20261714709
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 9, 2026
Property Address	1902 13TH ST S, SAINT CLOUD, MN 56301-4811
Document Number	0001714709
Instrument Date	Jun 5, 2026
Instrument	20261714709
Transaction Type	Transfer
Record Updated	Jun 23, 2026
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS COUNTY ABSTRACT & TITL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$110,988.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1902 13TH ST S, SAINT CLOUD, MN 56301-4811

Mortgage

Document Number	0001714710,
Date	Jun 9, 2026
Instrument	20261714710

Lender

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.23%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$3,620.00 (+44.34%)
2025		$226,700 (+3.85%) Land $50,000 Building $176,700	$226,700 (+3.85%) Land $50,000 Building $176,700
2023	$2,508.00	$218,300 Land $50,000 Building $168,300	$218,300 Land $50,000 Building $168,300

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 September 29, 2024

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 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.

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)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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