1904 40th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1904 40th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3 ba · 2,241 sqft · built 2003
Lot Size	1.15 acres (50,094 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,950 (2026)
Flood Zone	Zone X (minimal risk)
APN	`82-47772-0500`

Property Details

APN / Parcel Number

Primary APN	`82-47772-0500`

Interior

Bedrooms	2 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Building Area	2,241 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	50,094 sqft (1.15 acres)
Garage Area	1,016 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1904 40TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-9570
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 001 BLK 001 LANDMARK ADDITION SECTION 03 TOWNSHIP 123 RANGE 028 SECTION 03 TOWNSHIP 123 RANGE 028
Legal Range	28W
Legal Township	123
Legal Section	03
Legal Subdivision	LANDMARK ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	402

Owner

1904 40th St S is owned and occupied by two individuals.

Source: Stearns County records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	1904 40TH ST S, SAINT CLOUD, MN 56301-9570
Occupancy	Owner Occupied
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 1904 40th St S was $3,950, up 6.6% from the year before.

Source: Stearns County assessment roll, as of July 30, 2026

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	$3,950.00 (+6.58%)	$429,800 (+17.27%) Land $50,000 Building $379,800	$429,800 (+17.27%) Land $50,000 Building $379,800
2025	$3,706.00 Homeowner's exemption	$366,500 Land $50,000 Building $316,500	$366,500 Land $50,000 Building $316,500
2023	$3,488.00	$366,500 Land $50,000 Building $316,500	$366,500 Land $50,000 Building $316,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 1904 40th St S 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.

Wildfire

Wildfire risk around 1904 40th St S is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 67% of the US · above 57% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 95 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon, Xtratyme Technologies.

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