1923 13th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1923 13th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,204 sqft · built 1976
Lot Size	0.33 acres (14,375 sqft)
Owner	2 Individual Names on Record
Last Sale	$299,900 (Jun 2026)
Tax Bill	$2,768 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-49906-0000`

Property Details

APN / Parcel Number

Primary APN	`82-49906-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	1,204 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1976
Effective Year Built	Effective 1976
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	14,375 sqft (0.33 acres)
Lot Width	110 ft Width
Garage Area	598 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1923 13TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-4865
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 005 BLK 001 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	1
Legal Lot Number	5
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3001
Census Tract	401

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	1923 13TH ST S, SAINT CLOUD, MN 56301-4865
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MN
Sep 26, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE
May 18, 2022	Personal Representative Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2026 · Amount on Record
Deed Sale	Jun 15, 2026 · Amount on Record
Prior Sale	Aug 31, 2022 · Amount on Record
Deed Document Number	20261715143
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 15, 2026
Property Address	1923 13TH ST S, SAINT CLOUD, MN 56301-4865
Document Number	0001715143
Instrument Date	May 15, 2026
Instrument	20261715143
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,956.67
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	1923 13TH ST S, SAINT CLOUD, MN 56301-4865

Mortgage

Document Number	0001715144,
Date	Jun 15, 2026
Instrument	20261715144

Lender

Name	LIBERTY BANK MN

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 26, 2022
Property Address	1923 13TH ST S, SAINT CLOUD, MN 56301-4865
Document Number	00A1641357
Instrument Date	Aug 31, 2022
Instrument	A1641357
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1923 13TH ST S, SAINT CLOUD, MN 56301-4865

May 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	STEARNS MN
Recording Date	May 18, 2022
Property Address	1923 13TH ST S, SAINT CLOUD, MN 56301-4865
Document Number	00A1632841
Instrument Date	May 13, 2022
Instrument	A1632841
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12432 210TH ST, COLD SPRING, MN 56320-8710
Investor	Possibly a Property Investor

Tax Assessment & Valuation

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	$2,768.00 (+40.22%)	$211,400 (-) Land $50,000 Building $161,400	$211,400 (-) Land $50,000 Building $161,400
2025		$211,400 (+6.02%) Land $50,000 Building $161,400	$211,400 (+6.02%) Land $50,000 Building $161,400
2023	$1,974.00	$199,400 Land $50,000 Building $149,400	$199,400 Land $50,000 Building $149,400

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	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.

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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