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2053 45th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2053 45th St SE, Saint Cloud, MN 56304

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,219 sqft · built 2000
Lot Size2.53 acres (110,207 sqft)
Owner2 Individual Names on File
Last Sale$460,000 (Aug 2025)
Tax Bill$3,274 (2025)
Deeds & MortgagesJul 2019 Mortgage
May 2022 Transfer
Flood ZoneZone X (minimal risk)
APN25-428-0215

Property Details

APN / Parcel Number

Primary APN25-428-0215
Alternative APNs
  • 25-00428-0215
  • 17559

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,219 sqft Living Area
1st Floor Area1,219 sqft
Basement Area960 sqft
Finished Basement960 sqft
Breakfast NookBreakfast Nook
Family RoomFamily Room
Utility RoomUtility Room
FlooringLaminate Plank

Exterior

Year BuiltBuilt 2000
Effective Year BuiltEffective 2000
Architectural StyleSplit Foyer
Exterior MaterialMetal
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area110,207 sqft (2.53 acres)
Garage TypeAttached
Garage Area649 sqft
DrivewayDriveway

Exterior Amenities

PorchOpen Porch
Porch Area40 sqft
Deck Area182 sqft
Wet BarWet Bar

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemForced Air with A/C
Heating FuelGas

Location & Zoning

Account Number17559
Street Address2053 45TH ST SE
CitySAINT CLOUD
StateMN
Zip56304-8553
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA
Legal DescriptionLOT 3, BLK 2
Legal Range30W
Legal Township35N
Legal Section19
Legal SubdivisionPRAIRIE WOODS ESTATES 4TH ADDITION
Legal Block2
Legal Lot Number3
JurisdictionSHERBURNE MN
Township / Civil DivisionHAVEN
Census Block Group1
Census Block1017
Census Tract30302

Owner

2053 45th St SE is owned and occupied by two individuals who bought it in August 2025.

Source: Sherburne County records, as of September 15, 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 Record2 Individual Names on File
Mailing Address2053 45TH ST SE, SAINT CLOUD, MN 56304-8553
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

Deeds, Mortgages & Sale History

DateDocument
Jul 29, 2019Deed of Trust, Mortgage · Conventional Mortgage
ST CLOUD FCU
May 20, 2022Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names2 Names on Deed
Last SaleAug 7, 2025 · Amount on File
Deed SaleAug 7, 2025 · Amount on File
Prior SaleDec 12, 2002 · Amount on File
Deed Document Number2025986405
Record UpdatedOct 29, 2026

July 2019: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHERBURNE MN
Property Address2053 45TH ST SE, SAINT CLOUD, MN 56304-8553
Transaction TypeMortgage
Record UpdatedOct 25, 2022

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000875773
DateJul 29, 2019
Instrument875773
Lender
NameST CLOUD FCU
TypeCredit Union
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term120 Months
DueAug 23, 2029
Interest
Rate TypeFixed Rate

May 2022: Transfer on Death Deed, Transfer

Document TypeTransfer on Death Deed
JurisdictionSHERBURNE MN
Recording DateMay 20, 2022
Property Address2053 45TH ST SE, SAINT CLOUD, MN 56304-8553
Document Number0000942714
Instrument DateMay 20, 2022
Instrument942714
Transaction TypeTransfer
Record UpdatedJun 7, 2023

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address2053 45TH ST SE, SAINT CLOUD, MN 56304-8553

Tax Assessment & Valuation

The 2025 property tax bill for 2053 45th St SE was $3,274 with a homeowner's exemption.

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

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

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$403,000 (+0.3%) Land $125,100 Building $277,900$403,000 (+0.3%) Land $125,100 Building $277,900
2025$3,274.00$401,800 Land $122,900 Building $278,900$401,800 Land $122,900 Building $278,900
2023$2,928.00$388,100 Land $125,400 Building $262,700
2021$388,100 Land $125,400 Building $262,700

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

Flood

FEMA maps place 2053 45th St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Wildfire risk around 2053 45th St SE is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 27 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Midco
Cable		1,250 / 60
Verizon
Fixed Wireless		300 / 20
T-Mobile
Fixed Wireless		100 / 20

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