221 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 221 4th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Company Name on Record
Last Sale	$50,000 (May 2021)
Tax Bill	$3,516 (2026)
Deeds & Mortgages	Aug 2022 Mortgage May 2021 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00838.00`

Property Details

APN / Parcel Number

Primary APN	`17.00838.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	221 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-013 BLOCK-014
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	14
Legal Lot Number	13
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4019
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	Company Name on Record
Mailing Address	7760 FRANCE AVE S, 1100, MINNEAPOLIS, MN 55435-5930
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2022	Deed of Trust, Mortgage · Commercial Mortgage OLD NATIONAL BANK
May 18, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Jun 25, 2018	Deed of Trust, Mortgage · Closed-End Mortgage ST CLOUD FCU
Jan 31, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2021 · Amount on Record
Deed Sale	May 18, 2021 · Amount on Record
Prior Sale	Jan 31, 2018 · Amount on Record
Deed Document Number	2021452405
Prior Transfer Date	Jan 25, 2018
Prior Transfer Doc	427606
Record Updated	Sep 20, 2026

August 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	221 4TH AVE NE, SAINT CLOUD, MN 56304-0431
Transaction Type	Mortgage
Record Updated	Sep 6, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11670 FOUNTAINS DR 200, 200, MAPLE GROVE, MN 55369-7195

Mortgage

Document Number	0000462351
Date	Aug 17, 2022
Instrument	462351

Lender

Name	OLD NATIONAL BANK
Type	Bank
Address	SAINT PAUL, MN 55104

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 12, 2027

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 18, 2021
Property Address	221 4TH AVE NE, SAINT CLOUD, MN 56304-0431
Document Number	452405
Instrument Date	May 4, 2021
Instrument	452405
Transaction Type	Transfer
Record Updated	Jun 8, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Tax	$165.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11670 FOUNTAINS DR # 200, 200, MAPLE GROVE, MN 55369-7195

June 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	221 4TH AVE NE, SAINT CLOUD, MN 56304-0431
Transaction Type	Mortgage
Record Updated	Aug 3, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	430140
Date	Jun 25, 2018
Instrument	430140

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	Closed-End Mortgage
Amount	Amount Recorded
Term	73 Months
Due	Jul 18, 2024

January 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Jan 31, 2018
Property Address	221 4TH AVE NE, SAINT CLOUD, MN 56304-0431
Document Number	427606
Instrument Date	Jan 25, 2018
Instrument	427606
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

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	$3,516.00 (+30.32%)	$145,500 (+12.1%) Land $25,000 Building $120,500	$145,500 (+12.1%) Land $25,000 Building $120,500
2025	$2,698.00 (+48.73%)	$129,800 (+1.64%) Land $25,000 Building $104,800	$129,800 (+1.64%) Land $25,000 Building $104,800
2023	$1,814.00	$127,700 Land $25,000 Building $102,700	$127,700 Land $25,000 Building $102,700

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 327 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

May also be available: Intrepid Fiber Networks.

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