2148 Morningside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 2148 Morningside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,104 sqft · built 1977
Lot Size	0.275 acres (11,981 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Dec 2025)
Tax Bill	$2,042 (2026)
Deeds & Mortgages	Jul 2022 Line of Credit Jul 2019 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`09.00977.00`

Property Details

APN / Parcel Number

Primary APN	`09.00977.00`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,104 sqft Living Area
1st Floor Area	1,104 sqft
Basement Area	1,045 sqft
Finished Basement	1,045 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1988
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	11,981 sqft (0.275 acres)
Garage Area	528 sqft

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Street Address	2148 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-008 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	POINT PLEASANT
Legal Block	2
Legal Lot Number	8
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2007
Census Tract	21201

Owner

2148 Morningside Dr NE is owned and occupied by an individual who bought it in December 2025.

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

Owner of Record	Individual Name on File
Mailing Address	2148 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
Jul 8, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jul 18, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA
Dec 23, 2025	Warranty Deed, Transfer · Conventional Mortgage DEERWOOD BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 23, 2025 · Amount on File
Deed Sale	Dec 23, 2025 · Amount on File
Prior Sale	Jul 8, 2008 · Amount on File
Deed Document Number	2025481132
Record Updated	Sep 20, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2148 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2148 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Investor	Possibly a Property Investor

Mortgage

Document Number	0000461669
Date	Jul 8, 2022
Instrument	461669

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	359 Months
Due	Jun 4, 2052

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2148 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Transaction Type	Mortgage
Record Updated	Jan 13, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000437035
Date	Jul 18, 2019
Instrument	437035

Lender

Name	US BANK NA
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2049

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Dec 23, 2025
Property Address	2148 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Document Number	0000481132
Instrument Date	Dec 22, 2025
Instrument	481132
Transaction Type	Transfer
Record Updated	Jan 13, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2148 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618

Mortgage

Document Number	0000481133
Date	Dec 23, 2025
Instrument	481133

Lender

Name	DEERWOOD BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Jan 1, 2056

Tax Assessment & Valuation

The 2026 property tax bill for 2148 Morningside Dr NE was $2,042 with a homeowner's exemption, up 6.1% from the year before.

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	$2,042.00 (+6.13%) Homeowner's exemption	$264,900 (+3.8%) Land $44,800 Building $220,100	$264,900 (+3.8%) Land $44,800 Building $220,100
2025	$1,924.00	$255,200 Land $40,800 Building $214,400	$255,200 Land $40,800 Building $214,400
2023	$1,676.00	$242,400 Land $40,600 Building $201,800	$242,400 Land $40,600 Building $201,800

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

Flood

FEMA maps place 2148 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 2148 Morningside Dr NE is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct 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 67 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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