2131 Morningside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 2131 Morningside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.75 ba · 1,200 sqft · built 1968
Lot Size	0.358 acres (15,624 sqft)
Owner	Individual Name on File
Last Sale	$182,800 (Apr 2019)
Tax Bill	$1,894 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09.00960.00`

Property Details

APN / Parcel Number

Primary APN	`09.00960.00`

Interior

Bedrooms	3 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,200 sqft Living Area
1st Floor Area	1,200 sqft
Basement Area	200 sqft
Finished Basement	200 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1968
Effective Year Built	Effective 1981
Exterior Material	Wood Siding
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	15,624 sqft (0.358 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2131 MORNINGSIDE DR NE
City	SAINT CLOUD
State	MN
Zip	56304-9618
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 POINT PLEASANT LOT-003 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	POINT PLEASANT
Legal Block	1
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2006
Census Tract	21201

Owner

2131 Morningside Dr NE is owned and occupied by an individual who bought it in April 2019.

Source: Benton County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	2131 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Dec 13, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE CORP
Apr 8, 2019	Deed, Transfer · FHA Mortgage FREEDOM MORTGAGE CORP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 8, 2019 · Amount on File
Deed Sale	Apr 8, 2019 · Amount on File
Deed Document Number	2019435001
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2131 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000457371
Date	Dec 13, 2021
Instrument	457371

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	BOCA RATON, FL 33431

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	241 Months
Due	Jan 1, 2042

April 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Apr 8, 2019
Property Address	2131 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Document Number	0000435001
Instrument Date	Mar 27, 2019
Instrument	435001
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$603.24
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2131 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618

Mortgage

Document Number	0000435002
Date	Apr 8, 2019
Instrument	435002

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Apr 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 2131 Morningside Dr NE was $1,894 with a homeowner's exemption.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
County Subdivision	Minden Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,894.00 Homeowner's exemption	$246,400 Land $56,200 Building $190,200	$246,400 Land $56,200 Building $190,200
2023	$1,600.00	$229,600 Land $51,000 Building $178,600	$229,600 Land $51,000 Building $178,600

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

Flood

FEMA maps place 2131 Morningside Dr NE in Zone X, an area of minimal flood risk.

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.

Wildfire

Wildfire risk around 2131 Morningside Dr NE 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	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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