Benton County property record for 205 E Saint Germain St, Saint Cloud, MN 56304
| Property Type | Commercial |
|---|---|
| Lot Size | 0.1 acres (4,375 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $140,000 (Apr 2022) |
| Tax Bill | $3,426 (2026) |
| Deeds & Mortgages | Aug 2026 Mortgage Apr 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.00607.00 |
| Primary APN | 17.00607.00 |
|---|
| Units | 3 Units |
|---|
| Lot Area | 4,375 sqft (0.1 acres) |
|---|
| Street Address | 205 E SAINT GERMAIN ST |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0742 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SECT-35 TWP-036 RANGE-031 RIVER-SIDE LOT-006 BLOCK-004 & LOT 7 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 35 |
| Legal Subdivision | RIVER-SIDE |
| Legal Block | 4 |
| Legal Lot Number | 6-7 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5033 |
| Census Tract | 21201 |
Source: Benton County records, as of July 16, 2026
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 205 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0742 |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Aug 20, 2026 | Deed of Trust, Mortgage · Conventional Mortgage LAND TITLE |
| Apr 19, 2022 | Warranty Deed, Transfer THE TITLE FIRM, THE TITLE TEAM |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Apr 19, 2022 · Amount on Record |
| Deed Sale | Apr 19, 2022 · Amount on Record |
| Deed Document Number | 2022460061 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Aug 20, 2026 |
| Property Address | 205 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0742 |
| Document Number | 0000485255 |
| Instrument Date | Jun 17, 2026 |
| Instrument | 2026485255 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | LAND TITLE |
| Name | Verified Name |
|---|---|
| Address | 205 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0742 |
| Document Number | 0000485255, |
|---|---|
| Date | Aug 20, 2026 |
| Instrument | 2026485255 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 1, 2031 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Apr 19, 2022 |
| Property Address | 205 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0742 |
| Document Number | 0000460061 |
| Instrument Date | Apr 8, 2022 |
| Instrument | 460061 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | THE TITLE FIRM, THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Tax | $462.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 205 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0742 |
Source: Benton County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,426.00 (+133.06%) | $161,000 (+23.85%) Land $30,000 Building $131,000 | $161,000 (+23.85%) Land $30,000 Building $131,000 |
| 2023 | $1,470.00 | $130,000 Land $25,000 Building $105,000 | $130,000 Land $25,000 Building $105,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective July 29, 2019
| 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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 98% of the US · lower than 92% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 327 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Intrepid Fiber Networks.
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