2156 Morningside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 2156 Morningside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,180 sqft · built 1977
Lot Size	0.287 acres (12,498 sqft)
Owner	Individual Name on File
Last Sale	$277,000 (Aug 2026)
Tax Bill	$2,024 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`09.00978.00`

Property Details

APN / Parcel Number

Primary APN	`09.00978.00`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Building Area	1,180 sqft Living Area
1st Floor Area	1,180 sqft
Basement Area	980 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1983
Exterior Material	Aluminum/Vinyl
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	12,498 sqft (0.287 acres)
Garage Area	564 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	2156 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-009 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	POINT PLEASANT
Legal Block	2
Legal Lot Number	9
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2007
Census Tract	21201

Owner

2156 Morningside Dr NE is owned and occupied by an individual who bought it in August 2026.

Source: Benton County records, as of September 11, 2026

Owner of Record	Individual Name on File
Mailing Address	2156 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
Aug 26, 2026	Warranty Deed, Transfer · VA Mortgage AMERICAN FINANCIAL
Jul 13, 2017	Deed of Trust, Mortgage ST CLOUD FEDERAL CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 26, 2026 · Amount on File
Deed Sale	Aug 26, 2026 · Amount on File
Deed Document Number	2026485339
Prior Transfer Date	Jul 3, 2023
Prior Transfer Doc	0000466812
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 26, 2026
Property Address	2156 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Document Number	0000485339
Instrument Date	Jul 29, 2026
Instrument	2026485339
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$92,324.10
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2156 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618

Mortgage

Document Number	0000485340,
Date	Aug 26, 2026
Instrument	2026485340

Lender

Name	AMERICAN FINANCIAL

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2156 MORNINGSIDE DR NE, SAINT CLOUD, MN 56304-9618
Transaction Type	Mortgage
Record Updated	Aug 9, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	423824
Date	Jul 13, 2017
Instrument	423824

Lender

Name	ST CLOUD FEDERAL CREDIT UNION
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Amount	Amount on Record
Term	240 Months
Due	Jul 1, 2037

Tax Assessment & Valuation

The 2026 property tax bill for 2156 Morningside Dr NE was $2,024 with a homeowner's exemption, up 5.3% 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	$2,024.00 (+5.31%) Homeowner's exemption	$262,000 (+3.52%) Land $47,000 Building $215,000	$262,000 (+3.52%) Land $47,000 Building $215,000
2025	$1,922.00 Homeowner's exemption	$253,100 Land $43,000 Building $210,100	$253,100 Land $43,000 Building $210,100
2023	$1,688.00	$244,200 Land $42,400 Building $201,800	$244,200 Land $42,400 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 2156 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 2156 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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