214 4th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 214 4th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.134 acres (5,862 sqft)
Owner	Individual Name on Record
Last Sale	$194,000 (Aug 2025)
Tax Bill	$1,760 (2026)
Deeds & Mortgages	Nov 2022 Second Mortgage Nov 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00331.00`

Property Details

APN / Parcel Number

Primary APN	`17.00331.00`

Exterior

Lot Area	5,862 sqft (0.134 acres)

Location & Zoning

Street Address	214 4TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-014 BLOCK-027
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	27
Legal Lot Number	14
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5044
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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 Record
Mailing Address	214 4TH AVE SE, SAINT CLOUD, MN 56304-1000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 10, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL MINNESOTA CU
Nov 10, 2022	Warranty Deed, Transfer · Conventional Mortgage CENTRAL MINNESOTA CU
Dec 11, 2020	Deed of Trust, Mortgage · Line of Credit SPIRE CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 7, 2025 · Amount on Record
Deed Sale	Aug 7, 2025 · Amount on Record
Prior Sale	Nov 10, 2022 · Amount on Record
Deed Document Number	2025478775
Record Updated	Sep 20, 2026

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	214 4TH AVE SE, SAINT CLOUD, MN 56304-1000
Transaction Type	Mortgage
Record Updated	Nov 30, 2022
Title Company	TRI COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463738
Date	Nov 10, 2022
Instrument	463738

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	SARTELL, MN 56377

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	121 Months
Due	Dec 1, 2032

November 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 10, 2022
Property Address	214 4TH AVE SE, SAINT CLOUD, MN 56304-1000
Document Number	0000463736
Instrument Date	Nov 7, 2022
Instrument	463736
Transaction Type	Transfer
Record Updated	Nov 30, 2022
Title Company	TRI COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$511.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 4TH AVE SE, SAINT CLOUD, MN 56304-1000

Mortgage

Document Number	0000463737
Date	Nov 10, 2022
Instrument	463737

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	SARTELL, MN 56377

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2052

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	214 4TH AVE SE, SAINT CLOUD, MN 56304-1000
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	214 4TH AVE SE, SAINT CLOUD, MN 56304-1000

Mortgage

Document Number	448127
Date	Dec 11, 2020
Instrument	448127

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Dec 10, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$1,760.00 (+34.56%) Homeowner's exemption	$161,400 (+14.23%) Land $25,000 Building $136,400	$161,400 (+14.23%) Land $25,000 Building $136,400
2023	$1,308.00	$141,300 Land $25,000 Building $116,300	$141,300 Land $25,000 Building $116,300

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 July 29, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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.

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 252 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
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Intrepid Fiber Networks, T-Mobile.

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