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2003 45th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2003 45th St SE, Saint Cloud, MN 56304 · Last verified April 2026

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,127 sqft · built 1999
Lot Size2.5 acres (108,900 sqft)
Owner2 Individual Names on File
Last Sale$257,500 (Sep 2019)
Tax Bill$2,796 (2025)
Deeds & MortgagesMar 2021 Mortgage
Sep 2019 Sale & Mortgage
Flood ZoneZone X (minimal risk)
APN25-428-0210

Property Details

APN / Parcel Number

Primary APN25-428-0210
Alternative APNs
  • 25-00428-0210
  • 17558

Interior

Bedrooms2 Beds
Full Baths2 Baths
Stories4 Stories
Building Area1,127 sqft Living Area
1st Floor Area1,127 sqft
Basement Area1,000 sqft
Finished Basement1,000 sqft
Breakfast NookBreakfast Nook
Family RoomFamily Room
Utility RoomUtility Room
FlooringWood
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1999
Effective Year BuiltEffective 2000
Architectural StyleSplit Level
Exterior MaterialVinyl
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area108,900 sqft (2.5 acres)
Garage TypeAttached
Garage Area650 sqft
DrivewayDriveway
Deck Area168 sqft
Wet BarWet Bar

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemSolar
Heating FuelGas

Location & Zoning

Street Address2003 45TH ST SE
CitySAINT CLOUD
StateMN
Zip56304-8553
Property CategoryResidential
Property TypeResidential > Single Family > Home
Legal DescriptionLOT 2, BLK 2
Legal Range30W
Legal Township35N
Legal Section19
Legal SubdivisionPRAIRIE WOODS ESTATES 4TH ADDITION
Legal Block2
Legal Lot Number2
JurisdictionSHERBURNE MN
Township / Civil DivisionHAVEN
Census Block Group1
Census Block1017
Census Tract30302

Owner

Source: Sherburne County records · APN 25-428-0210

Assessment roll updated July 29, 2025 · Last verified April 2026

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

Owner of Record2 Individual Names on File
Mailing Address2003 45TH ST SE, SAINT CLOUD, MN 56304-8553
OccupancyOwner Occupied
Owner TypeIndividual

Deeds, Mortgages & Sale History

DateDocument
Mar 25, 2021Deed of Trust, Mortgage · Conventional Mortgage
AFFINITY PLUS FCU
Sep 12, 2019Warranty Deed, Transfer · Conventional Mortgage
MORTGAGE UNLIMITED

Assessor's Deed Record

Deed Names2 Verified Names on Deed
Last SaleSep 12, 2019 · Amount on Record
Deed SaleSep 12, 2019 · Amount on Record
Prior SaleJul 21, 2015 · Amount on Record
Deed Document Number2019878470
Record UpdatedJun 08, 2026

March 2021: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHERBURNE MN
Property Address2003 45TH ST SE, SAINT CLOUD, MN 56304-8553
Transaction TypeMortgage
Record UpdatedOct 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000915233
DateMar 25, 2021
Instrument915233
Lender
NameAFFINITY PLUS FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueApr 01, 2051
Interest
Rate TypeFixed Rate

September 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSHERBURNE MN
Recording DateSep 12, 2019
Property Address2003 45TH ST SE, SAINT CLOUD, MN 56304-8553
Document Number0000878470
Instrument DateJul 30, 2019
Instrument878470
Transaction TypeTransfer
Record UpdatedAug 16, 2021
Title CompanyTITLESMART INC

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$849.75
Amount AccuracyCalculated from Transfer Tax
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address6077 MILL RUN RD, MONTICELLO, MN 55362-3610

Mortgage

Document Number0000878471
DateSep 12, 2019
Instrument878471
Lender
NameMORTGAGE UNLIMITED
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueAug 01, 2049
Interest
Rate TypeFixed Rate

Tax Assessment & Valuation

Source: Sherburne County records · Assessment roll updated July 29, 2025 · Last verified April 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySherburne County
County SubdivisionHaven Township
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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

YearTax BillAssessed ValueAssessed Market Value
2025$2,796.00 (+11.22%)$348,800 (+5.16%) Land $122,700 Building $226,100$348,800 (+5.16%) Land $122,700 Building $226,100
2023$2,514.00$331,700 Land $125,100 Building $206,600
2021$331,700 Land $125,100 Building $206,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sherburne County (27141C), updated November 16, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271410303021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood ZoneZone X
Special Flood Hazard AreaNo
Flood HazardMinimal
500-Year FloodplainNo
Nearby Flood Policies2 in force

Wildfire

Wildfire RiskLow
above 20% of the US · above 39% of Minnesota
Wildfire LikelihoodAbout 1 in 5,882 per year
ExposureDirect
burnable vegetation at the parcel

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 27 locations within about half a mile of this property

ProviderTechnologyDownload / Upload (Mbps)
Midcontinent CommunicationsCable1,250 / 60
VerizonFixed Wireless300 / 20
T-Mobile USAFixed Wireless100 / 20
StarlinkSatellite (low-earth orbit)280 / 30

Availability varies by address; speeds are provider-advertised maximums, not measured.

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