1928 38th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 1928 38th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,004 sqft · built 2007
Lot Size	0.215 acres (9,365 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,510 (2026)
Deeds & Mortgages	Dec 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-44337-0920`

Property Details

APN / Parcel Number

Primary APN	`82-44337-0920`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,004 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	9,365 sqft (0.215 acres)
Lot Width	78 ft Width
Garage Area	768 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	1928 38TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-9669
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD77
Legal Description	LOT 003 BLK 003 BEAR RIDGE FIRST ADDITION SECTION 34 TOWNSHIP 124 RANGE 028 SECTION 34 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	34
Legal Subdivision	BEAR RIDGE FIRST ADDITION
Legal Block	3
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	402

Owner

1928 38th St S is owned and occupied by two individuals who acquired it in December 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	1928 38TH ST S, SAINT CLOUD, MN 56301-9669
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
Last Transfer Date	Dec 9, 2019
Transfer Doc	00A1559095
Record Updated	Sep 20, 2026

December 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 12, 2019
Property Address	1928 38TH ST S, SAINT CLOUD, MN 56301-9669
Document Number	00A1559095
Instrument Date	Dec 9, 2019
Instrument	A1559095
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	1928 38TH ST S, SAINT CLOUD, MN 56301-9669

Tax Assessment & Valuation

The 2026 property tax bill for 1928 38th St S was $3,510.

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	$3,510.00	$257,700 (-) Land $70,000 Building $187,700	$257,700 (-) Land $70,000 Building $187,700
2025		$257,700 Land $70,000 Building $187,700	$257,700 Land $70,000 Building $187,700
2023	$2,790.00	$240,600 Land $40,000 Building $200,600	$240,600 Land $40,000 Building $200,600

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

Flood

FEMA maps place 1928 38th 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 1928 38th St S is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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 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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