Sherburne County property record for 2105 15th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.289 acres (12,592 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,534 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage Sep 2018 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 85-426-0140 |
| Primary APN | 85-426-0140 |
|---|---|
| Alternative APNs |
|
| Lot Area | 12,592 sqft (0.289 acres) |
|---|
| Account Number | 43174 |
|---|---|
| Street Address | 2105 15TH AVE SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-2429 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 8, BLK 1 |
| Legal Range | 31W |
| Legal Township | 35N |
| Legal Section | 12 |
| Legal Subdivision | TORBORG ESTATES PLAT THREE |
| Legal Block | 1 |
| Legal Lot Number | 8 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 31500 |
2105 15th Ave SE is owned and occupied by an individual.
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 Record | Individual Name on File |
|---|---|
| Mailing Address | 2105 15TH AVE SE, SAINT CLOUD, MN 56304-2429 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 5, 2021 | Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE |
| Sep 13, 2018 | Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 2105 15TH AVE SE, SAINT CLOUD, MN 56304-2429 |
| Transaction Type | Mortgage |
| Record Updated | Apr 21, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000915966 |
|---|---|
| Date | Apr 5, 2021 |
| Instrument | 915966 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 120 Months |
| Due | May 1, 2031 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 2105 15TH AVE SE, SAINT CLOUD, MN 56304-2429 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Title Company | LIBERTY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000862067 |
|---|---|
| Date | Sep 13, 2018 |
| Instrument | 862067 |
| Name | FREEDOM MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2033 |
| Rate Type | Fixed Rate |
|---|
The 2025 property tax bill for 2105 15th Ave SE was $3,534 with a homeowner's exemption.
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $262,200 (-) Land $40,000 Building $222,200 | $262,200 (-) Land $40,000 Building $222,200 | |
| 2025 | $3,534.00 | $262,200 Land $40,000 Building $222,200 | $262,200 Land $40,000 Building $222,200 |
| 2023 | $2,870.00 | $262,200 Land $40,000 Building $222,200 | |
| 2021 | $262,200 Land $40,000 Building $222,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2105 15th Ave SE in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011
| 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.
Wildfire risk around 2105 15th Ave 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 Risk | Low lower than 67% of the US · above 57% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 111 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| CenturyLink Fiber | 8,000 / 8,000 |
| Spectrum Cable · Fiber in parts of the area | 1,000 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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