2020 10th Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2020 10th Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,078 sqft · built 1945
Lot Size	0.41 acres (17,860 sqft)
Owner	Individual Name on File
Last Sale	$129,000 (Apr 2017)
Tax Bill	$2,756 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Apr 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-44193-0000`

Property Details

APN / Parcel Number

Primary APN	`82-44193-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,078 sqft Living Area
1st Floor Area	910 sqft

Exterior

Year Built	Built 1945
Effective Year Built	Effective 1945
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	17,860 sqft (0.41 acres)
Lot Width	116 ft Width
Garage Area	776 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2020 10TH AVE S
City	SAINT CLOUD
State	MN
Zip	56301-5636
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 021 BLK 001 ATWOOD ACRES SECTION 23 TOWNSHIP 124 RANGE 028 SECTION 23 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	ATWOOD ACRES
Legal Block	1
Legal Lot Number	21
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1048
Census Tract	301

Owner

Source: Stearns County assessment roll, 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	Individual Name on File
Mailing Address	2020 10TH AVE S, SAINT CLOUD, MN 56301-5636
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 16, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Apr 10, 2017	Warranty Deed, Transfer WHEATLAND TITLE, HEARTLAND TITLE

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 10, 2017 · Amount on Record
Deed Sale	Apr 10, 2017 · Amount on Record
Deed Document Number	201740829
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 16, 2026
Property Address	2020 10TH AVE S, SAINT CLOUD, MN 56301-5636
Document Number	0000047023
Instrument Date	Mar 3, 2026
Instrument	202647023
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 10TH AVE S, SAINT CLOUD, MN 56301-5636
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047023,
Date	Apr 16, 2026
Instrument	202647023

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2056

Interest

Rate	6.11%
Max Rate	-1%

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 10, 2017
Property Address	2020 10TH AVE S, SAINT CLOUD, MN 56301-5636
Document Number	0000T40829
Instrument Date	Apr 6, 2017
Instrument	T40829
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount Recorded
Tax	$425.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2020 10TH AVE S, SAINT CLOUD, MN 56301-5636
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	$2,756.00 (+24.37%)	$223,100 (+5.83%) Land $35,000 Building $188,100	$223,100 (+5.83%) Land $35,000 Building $188,100
2025		$210,800 (+8.21%) Land $35,000 Building $175,800	$210,800 (+8.21%) Land $35,000 Building $175,800
2023	$2,216.00	$194,800 Land $35,000 Building $159,800	$194,800 Land $35,000 Building $159,800

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 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 277 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BIF IV Intrepid HoldCo Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon, Xtratyme Technologies.

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