220 5th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 220 5th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.14 acres (6,096 sqft)
Owner	Individual Name on Record
Tax Bill	$1,658 (2026)
Deeds & Mortgages	May 2026 Line of Credit Nov 2025 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17.00403.00`

Property Details

APN / Parcel Number

Primary APN	`17.00403.00`

Exterior

Lot Area	6,096 sqft (0.14 acres)

Location & Zoning

Street Address	220 5TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0432
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 OWNERS SUBD LOT 47 AUDIT 1916 LOT-002 BLOCK-003 SELY 66 FT OF SWLY 67 FT OF LT 2 & NWLY 25 FT OF
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	OWNERS SUBD LOT 47 AUDIT 1916
Legal Block	3
Legal Lot Number	2-3,47
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4014
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	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 15, 2026	Deed of Trust, Mortgage · Line of Credit FARMERS AND MERCHANTS STATE BANK/P
Nov 3, 2025	Quit Claim Deed, Transfer LARSON ABSTRACT COMPANY, LARSON ABSTRACT COMPANY INC
Nov 2, 2020	Affidavit of Death of Joint Tenant, Transfer · Commercial Mortgage FARMERS & MERCHANTS STATE BANK OF PIERZ
Nov 5, 2018	Intrafamily Transfer, Transfer
Jul 31, 2018	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 3, 2025
Transfer Doc	0000480251
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	May 15, 2026
Property Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432
Document Number	0000483349
Instrument Date	May 7, 2026
Instrument	2026483349
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432

Mortgage

Document Number	0000483349,
Date	May 15, 2026
Instrument	2026483349

Lender

Name	FARMERS AND MERCHANTS STATE BANK/P

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	May 16, 2036

Interest

Rate	6.37%
Max Rate	-1%

November 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Nov 3, 2025
Property Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432
Document Number	0000480251
Instrument Date	Nov 3, 2025
Instrument	480251
Transaction Type	Transfer
Record Updated	Nov 24, 2025
Title Company	LARSON ABSTRACT COMPANY, LARSON ABSTRACT COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432

November 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BENTON MN
Recording Date	Nov 2, 2020
Property Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432
Document Number	447104
Instrument Date	Oct 15, 2020
Instrument	447104
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	LARSON ABSTRACT COMPANY INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432

Mortgage

Document Number	447105
Date	Nov 2, 2020
Instrument	447105

Lender

Name	FARMERS & MERCHANTS STATE BANK OF PIERZ
Type	Bank
Address	SAUK RAPIDS, MN 56379

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Oct 25, 2025

November 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Nov 5, 2018
Property Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432
Document Number	432639
Instrument Date	Nov 1, 2018
Instrument	432639
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432

July 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Jul 31, 2018
Property Address	220 5TH AVE NE, SAINT CLOUD, MN 56304-0432
Document Number	430845
Instrument Date	Jul 25, 2018
Instrument	430845
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	12013 L6T1 AVENUE NW, RICE, MN 56367

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	$1,658.00 (+14.5%) Homeowner's exemption	$137,600 (-) Land $25,000 Building $112,600	$137,600 (-) Land $25,000 Building $112,600
2025	$1,448.00 (+6.63%)	$137,600 (+1.62%) Land $25,000 Building $112,600	$137,600 (+1.62%) Land $25,000 Building $112,600
2023	$1,358.00	$135,400 Land $25,000 Building $110,400	$135,400 Land $25,000 Building $110,400

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
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	Not rated no burnable land within 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 203 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.

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