Stearns County property record for 1903 4th St N, Saint Cloud, MN 56303
| Property Type | Commercial |
|---|---|
| Details | 3,832 sqft · built 1940 |
| Lot Size | 0.266 acres (11,592 sqft) |
| Owner | Individual Name on File |
| Last Sale | $480,000 (Jun 2026) |
| Tax Bill | $4,884 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-45782-0000 |
| Primary APN | 82-45782-0000 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,832 sqft Living Area |
| Year Built | Built 1940 |
|---|---|
| Effective Year Built | Effective 1940 |
| Exterior Material | Brick |
| Lot Area | 11,592 sqft (0.266 acres) |
| Lot Width | 92 ft Width |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Street Address | 1903 4TH ST N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-3803 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | R2 |
| Legal Description | LOTS 7 & 8 BLK 2 COATES, COOPER & FREEMAN'S ADD SECTION 10 TOWNSHIP 124 RANGE 028 COATES, COOPER & FREEMAN'S ADD SECTION 10 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 10 |
| Legal Subdivision | COATES COOPER FREEMANS ADD |
| Legal Block | 2 |
| Legal Lot Number | 7-8 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 602 |
1903 4th St N, a commercial property, is owned by an individual who bought it in June 2026.
Source: Stearns County records, as of July 22, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 106 7TH AVE N, WAITE PARK, MN 56387-1151 |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 29, 2026 · Amount on File |
| Deed Sale | Jun 29, 2026 · Amount on File |
| Deed Document Number | 20261715938 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jun 29, 2026 |
| Property Address | 1903 4TH ST N, SAINT CLOUD, MN 56303-3803 |
| Document Number | 0001715938 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20261715938 |
| Transaction Type | Transfer |
| Record Updated | Jul 22, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $159,984.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 106 7TH AVE N, WAITE PARK, MN 56387-1151 |
| Document Number | 0001715939, |
|---|---|
| Date | Jun 29, 2026 |
| Instrument | 20261715939 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 60 Months |
| Due | Jul 16, 2031 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
The 2026 property tax bill for 1903 4th St N was $4,884.
Source: Stearns County assessment roll, as of November 6, 2025
| 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 | $4,884.00 | ||
| 2025 | $198,000 Land $46,000 Building $152,000 | $198,000 Land $46,000 Building $152,000 | |
| 2024 | $4,408.00 (+30.26%) | ||
| 2023 | $3,384.00 | $188,600 Land $46,000 Building $142,600 | $188,600 Land $46,000 Building $142,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 1903 4th St N in Zone X, an area of minimal flood risk.
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.
The area around 1903 4th St N has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within 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 515 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures