Benton County property record for 220 4th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.134 acres (5,875 sqft) |
| Owner | Individual Name on File |
| Last Sale | $128,000 (May 2022) |
| Tax Bill | $1,408 (2026) |
| Deeds & Mortgages | May 2022 Sale & Mortgage Mar 2021 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.00330.00 |
| Primary APN | 17.00330.00 |
|---|
| Lot Area | 5,875 sqft (0.134 acres) |
|---|
| Street Address | 220 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-013 BLOCK-027 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 36 |
| Legal Subdivision | EAST ST CLOUD |
| Legal Block | 27 |
| Legal Lot Number | 13 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5044 |
| Census Tract | 21201 |
Source: Benton County assessment roll, APN 17.00330.00, as of July 16, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 19, 2022 | Warranty Deed, Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 29, 2021 | Deed of Trust, Mortgage · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Jun 22, 2020 | Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP |
| Nov 21, 2018 | Deed of Trust, Mortgage · Commercial Mortgage BANKVISTA |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | May 19, 2022 · Amount on Record |
| Deed Sale | May 19, 2022 · Amount on Record |
| Prior Sale | Jun 22, 2020 · Amount on Record |
| Deed Document Number | 2022460626 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | May 19, 2022 |
| Property Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Document Number | 0000460626 |
| Instrument Date | May 18, 2022 |
| Instrument | 460626 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2022 |
| Title Company | EXECUTIVE TITLE |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $422.40 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Document Number | 0000460627 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 460627 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2052 |
| Document Number | 0000460628 |
|---|---|
| Date | May 19, 2022 |
| Instrument | 460628 |
| Name | THE HOUSING AND REDEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Transaction Type | Mortgage |
| Record Updated | Apr 06, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000450960 |
|---|---|
| Date | Mar 29, 2021 |
| Instrument | 450960 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | MINNEAPOLIS, MN 55441 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2051 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jun 22, 2020 |
| Property Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Document Number | 443729 |
| Instrument Date | Apr 14, 2020 |
| Instrument | 443729 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $285.12 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Document Number | 443730 |
|---|---|
| Date | Jun 22, 2020 |
| Instrument | 443730 |
| Name | SUMMIT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | May 01, 2050 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 220 4TH AVE SE, SAINT CLOUD, MN 56304-1000 |
| Transaction Type | Mortgage |
| Record Updated | Dec 06, 2018 |
| Name | Verified Name |
|---|---|
| Address | 2578 14 1/2 AVE SE, SAINT CLOUD, MN 56304-9539 |
| Document Number | 432888 |
|---|---|
| Date | Nov 21, 2018 |
| Instrument | 432888 |
| Name | BANKVISTA |
|---|---|
| Type | Bank |
| Address | SARTELL, MN 56377 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Nov 16, 2023 |
Source: Benton County assessment roll as of July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,408.00 (+19.73%) Homeowner's exemption | $132,500 (+9.69%) Land $25,000 Building $107,500 | $132,500 (+9.69%) Land $25,000 Building $107,500 |
| 2023 | $1,176.00 | $120,800 Land $25,000 Building $95,800 | $120,800 Land $25,000 Building $95,800 |
Source: FEMA National Flood Hazard Layer, Benton County (27009C), as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| 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 |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, 252 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| 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, BIF IV Intrepid HoldCo, Lumen Technologies, T-Mobile USA.
Source: EPA Safe Drinking Water Information System, water system MN1730027, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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