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20 4th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 20 4th Ave SE, Saint Cloud, MN 56304

Property Summary

Property TypeCommercial
Lot Size0.071 acres (3,125 sqft)
OwnerCompany Name on File
Last Sale$699,806 (Nov 2025)
Tax Bill$392 (2026)
Deeds & MortgagesOct 2025 Sale
Nov 2025 Sale & Line of Credit
+ 4 more
Flood ZoneZone X (minimal risk)
APN17.00158.00

Property Details

APN / Parcel Number

Primary APN17.00158.00

Interior

Units2 Units

Exterior

Lot Area3,125 sqft (0.071 acres)

Location & Zoning

Street Address20 4TH AVE SE
CitySAINT CLOUD
StateMN
Zip56304-0720
Property CategoryCommercial
Property TypeCommercial > Retail
Legal DescriptionSECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-027 BLOCK-002
Legal Range031
Legal Township036
Legal Section36
Legal SubdivisionEAST ST CLOUD
Legal Block2
Legal Lot Number27
JurisdictionBENTON MN
Township / Civil DivisionST. CLOUD
Census Block Group5
Census Block5037
Census Tract21201

Owner

Source: Benton County records · APN 17.00158.00

Assessment roll updated July 16, 2026 · Last verified August 2026

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

Owner of RecordCompany Name on File
Mailing AddressPO BOX 162, SAUK RAPIDS, MN 56379-0162
Owner TypeCompany
VestingLimited Liability Partnership

Deeds, Mortgages & Sale History

DateDocument
Oct 29, 2025Warranty Deed, Transfer
TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT
Nov 04, 2025Warranty Deed, Transfer · Line of Credit
DEERWOOD BANK
Oct 01, 2021Warranty Deed, Transfer
TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT
Oct 01, 2021Warranty Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Oct 01, 2021Quit Claim Deed, Transfer · Line of Credit
TRUSTONE FINANCIAL CU
Oct 01, 2021Quit Claim Deed, Transfer · Line of Credit
TRUSTONE FINANCIAL CU

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleNov 04, 2025 · Amount on Record
Deed SaleNov 04, 2025 · Amount on Record
Prior SaleOct 29, 2025 · Amount on Record
Deed Document Number20252528
Prior Transfer DateJan 01, 2017
Prior Transfer Doc0000002404
Record UpdatedSep 20, 2026

October 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateOct 29, 2025
Property Address20 4TH AVE SE, SAINT CLOUD, MN 56304-0720
Document Number0000480159
Instrument DateOct 24, 2025
Instrument480159
Transaction TypeTransfer
Record UpdatedNov 19, 2025
Title CompanyTRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

AmountAmount Recorded
Tax$2,309.36
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 162, SAUK RAPIDS, MN 56379-0162

November 2025: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateNov 04, 2025
Property Address20 4TH AVE SE, SAINT CLOUD, MN 56304-0720
Document Number0000002528
Instrument DateOct 24, 2025
Instrument2528
Transaction TypeTransfer
Record UpdatedNov 25, 2025

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$2,309.36
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
AddressPO BOX 162, SAUK RAPIDS, MN 56379-0162
InvestorPossibly a Property Investor

Mortgage

Document Number0000002529
DateNov 04, 2025
Instrument2529
Lender
NameDEERWOOD BANK
TypeBank
AddressWAITE PARK, MN 56387
Agreement
TypeLine of Credit
AmountAmount Recorded
Term63 Months
DueFeb 24, 2031

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateOct 01, 2021
Property Address20 4TH AVE SE, SAINT CLOUD, MN 56304-0720
Document Number0000002403
Instrument DateSep 24, 2021
Instrument2403
Transaction TypeTransfer
Record UpdatedJul 21, 2023
Title CompanyTRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

AmountAmount Recorded
Tax$2,178.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 WILSON AVE NE # 14, 14, SAINT CLOUD, MN 56304-0403

October 2021: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateOct 01, 2021
Property Address20 4TH AVE SE, SAINT CLOUD, MN 56304-0720
Document Number0000455784
Instrument DateSep 24, 2021
Instrument455784
Transaction TypeTransfer
Record UpdatedJul 21, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

AmountAmount Recorded
Tax$2,178.00
Amount AccuracyRounded by County
Additional
  • Arm's Length
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 WILSON AVE NE # 14, 14, SAINT CLOUD, MN 56304-0403

October 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBENTON MN
Recording DateOct 01, 2021
Property Address20 4TH AVE SE, SAINT CLOUD, MN 56304-0720
Document Number0000455783
Instrument DateJan 01, 2017
Instrument455783
Transaction TypeTransfer
Record UpdatedJul 21, 2023
Title CompanyTRI COUNTY ABSTRACT

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address175 7TH AVE S, WAITE PARK, MN 56387-1362

Mortgage

Document Number0000455785
DateOct 01, 2021
Instrument455785
Lender
NameTRUSTONE FINANCIAL CU
TypeCredit Union
AddressMINNEAPOLIS, MN 55447
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

October 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBENTON MN
Recording DateOct 01, 2021
Property Address20 4TH AVE SE, SAINT CLOUD, MN 56304-0720
Document Number0000002402
Instrument DateJan 01, 2017
Instrument2402
Transaction TypeTransfer
Record UpdatedJul 21, 2023
Title CompanyTRI COUNTY ABSTRACT

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer
  • Multiple Parcels

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address175 7TH AVE S, WAITE PARK, MN 56387-1362

Mortgage

Document Number0000002404
DateOct 01, 2021
Instrument2404
Lender
NameTRUSTONE FINANCIAL CU
TypeCredit Union
AddressMINNEAPOLIS, MN 55447
Agreement
TypeLine of Credit
AmountAmount Recorded
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified August 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyBenton County
MunicipalitySt. Cloud City
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$392.00 (+10.73%)$11,000 (-) Land $11,000$11,000 (-) Land $11,000
2025$354.00 (-3.28%)$11,000 (-) Land $11,000$11,000 (-) Land $11,000
2023$366.00$11,000 Land $11,000$11,000 Land $11,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it

Wildfire

Wildfire RiskNot rated
no burnable land within ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

ProviderMax Down / Up (Mbps)
Spectrum
Cable · Fiber in parts of the area		1,000 / 1,000
Verizon
Fixed Wireless		300 / 20
Starlink
Satellite		280 / 30

May also be available: AT&T, Lumen Technologies.

Based on FCC filings for 203 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water SystemSaint Cloud
serves 71,321 people
Water SourceSurface water
Last State InspectionAug 2025
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
last 3 years

Results are for the whole water system as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.

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