2165 Mill Pond Dr, Saint Cloud, MN 56303 Property Records

Stearns County property record for 2165 Mill Pond Dr, Saint Cloud, MN 56303

Property Summary

Property TypeSingle Family Home
Details4 bd · 3.5 ba · 2,679 sqft · built 2006
Lot Size0.4 acres (17,424 sqft)
OwnerIndividual Name on File
Last Sale$552,000 (Aug 2026)
Tax Bill$7,604 (2026)
Deeds & MortgagesAug 2026 Sale & Mortgage
Apr 2026 Mortgage
+ 3 more
Flood ZoneZone X (minimal risk)
APN82-48691-0007

Property Details

APN / Parcel Number

Primary APN82-48691-0007

Interior

Bedrooms4 Beds
Full Baths3.5 Baths
Half Baths1 Half Bath
Total Rooms9 Rooms
Stories2 Stories
Building Area2,679 sqft Living Area
1st Floor Area1,425 sqft
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 2006
Effective Year BuiltEffective 2006
Exterior MaterialStone
Roof MaterialAsphalt
Lot Area17,424 sqft (0.4 acres)
Garage Area860 sqft
Parking Spaces3 Parking Spaces

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHVAC
Heating FuelGas

Location & Zoning

Street Address2165 MILL POND DR
CitySAINT CLOUD
StateMN
Zip56303-9567
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeR1
Legal DescriptionLOT 008 BLK 001 MILL RIVER ESTATES SECTION 35 TOWNSHIP 125 RANGE 028 SECTION 35 TOWNSHIP 125 RANGE 028
Legal Range28W
Legal Township125
Legal Section35
Legal SubdivisionMILL RIVER ESTATES
Legal Block1
Legal Lot Number8
JurisdictionSTEARNS MN
Township / Civil DivisionST. CLOUD
Census Block Group1
Census Block1010
Census Tract901

Owner

2165 Mill Pond Dr is owned and occupied by an individual who bought it in August 2026.

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

Owner of RecordIndividual Name on File
Mailing Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567
OccupancyOwner Occupied
Owner TypeIndividual
VestingJoint Tenants

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

DateDocument
Aug 26, 2026Warranty Deed, Transfer · Conventional Mortgage
WADENA STATE BANK
Apr 6, 2026Deed of Trust, Mortgage · Conventional Mortgage
HOME TOWN TITLE LLC, HOME TOWN TITLE
Feb 5, 2026Quit Claim Deed, Transfer
Quitclaim
Dec 10, 2021Quit Claim Deed, Transfer
Quitclaim
Dec 12, 2019Warranty Deed, Transfer

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 26, 2026 · Amount on File
Deed SaleAug 26, 2026 · Amount on File
Prior SaleDec 12, 2019 · Amount on File
Deed Document Number202647222
Prior Transfer DateDec 19, 2025
Prior Transfer Doc0000T46912
Record UpdatedOct 29, 2026

August 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTEARNS MN
Recording DateAug 26, 2026
Property Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567
Document Number0000047222
Instrument DateAug 19, 2026
Instrument202647222
Transaction TypeTransfer
Record UpdatedSep 11, 2026
Title CompanyHOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

AmountAmount on Record
DownpaymentDownpayment on Record
Loan-to-Value (LTV)LTV on Record
Tax$183,981.60
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants
Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567

Mortgage

Document Number0000047222,
DateAug 26, 2026
Instrument202647222
Lender
NameWADENA STATE BANK
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term360 Months
DueAug 19, 2056
Interest
Rate TypeAdjustable Rate
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

April 2026: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSTEARNS MN
Recording DateApr 6, 2026
Property Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567
Document Number0000047013
Instrument DateMar 30, 2026
Instrument202647013
Transaction TypeMortgage
Record UpdatedJul 12, 2026
Title CompanyHOME TOWN TITLE LLC, HOME TOWN TITLE

Transferred To (Grantee/Buyer)

NameVerified Name
Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567

Mortgage

Document Number0000047013,
DateApr 6, 2026
Instrument202647013
Lender
Agreement
TypeConventional Mortgage
AmountAmount on Record
Term240 Months
DueApr 1, 2046
Interest
Rate TypeAdjustable Rate
Rate6.63%
Initial TypeAdjustable Rate
AdjustableAdjustable Rate Rider
Max Rate-1%

February 2026: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTEARNS MN
Recording DateFeb 5, 2026
Property Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567
Document Number0000T46912
Instrument DateDec 19, 2025
InstrumentT46912
Transaction TypeTransfer
Record UpdatedMar 3, 2026

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567

December 2021: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSTEARNS MN
Recording DateDec 10, 2021
Property Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567
Document Number0000T44471
Instrument DateNov 23, 2021
InstrumentT44471
Transaction TypeTransfer
Record UpdatedAug 18, 2022

Transaction

Tax$0.00
Amount AccuracyNo Consideration Stated
Additional
  • Quitclaim
  • Intrafamily Transfer

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipJoint Tenants with Right of Survivorship
Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567

December 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionSTEARNS MN
Recording DateDec 12, 2019
Property Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567
Document Number0000T42825
Instrument DateDec 4, 2019
InstrumentT42825
Transaction TypeTransfer
Record UpdatedAug 18, 2022

Transaction

AmountAmount on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arm's Length

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2165 MILL POND DR, SAINT CLOUD, MN 56303-9567

Tax Assessment & Valuation

The 2026 property tax bill for 2165 Mill Pond Dr was $7,604, up 11.1% from the year before.

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyStearns County
MunicipalitySt. Cloud City
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$7,604.00 (+11.14%)$510,100 (-) Land $90,000 Building $420,100$510,100 (-) Land $90,000 Building $420,100
2025$6,842.00$510,100 Land $90,000 Building $420,100$510,100 Land $90,000 Building $420,100
2023$6,602.00$510,100 Land $90,000 Building $420,100$510,100 Land $90,000 Building $420,100

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

Flood

FEMA maps place 2165 Mill Pond Dr in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Nearest Special Flood Hazard AreaZone AE, within 500 ft
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies3 in force
Nearby Flood Claims8 (1997–2001)
Claims Outside the SFHA6 of 8
Most Recent ClaimApr 2001 · Severe Winter Storms, Flooding, And Tornadoes
Claims by Event
  • Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 4 claims
  • Severe Flooding, High Winds,severe Storms, Apr 1997 · 4 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2165 Mill Pond Dr is low, with a 0.02% annual chance of wildfire.

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

Wildfire RiskLow
lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood0.02% annual chance
ExposureDirect
burnable vegetation

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 SystemSaint Cloud
serves 71,321 people · EPA ID MN1730027
Water SourceSurface water
Last State InspectionAug 2025
Lead3 ppb (2026)
action level 15 ppb

Violations Reported to EPA

Water QualityNone
last 10 years
Treatment and ProcedureNone
last 10 years
Monitoring and ReportingNone
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 132 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Intrepid Fiber Networks
Fiber
2,000 / 2,000
Spectrum
Cable
1,000 / 1,000

May also be available: Verizon.

Nearby Properties on Mill Pond Dr

Nearby Streets

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