222 3rd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 222 3rd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Last Sale	$250,000 (May 2026)
Tax Bill	$3,244 (2026)
Deeds & Mortgages	Jul 2005 Reverse Mortgage May 2026 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.00829.00`

Property Details

APN / Parcel Number

Primary APN	`17.00829.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	222 3RD AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0424
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-003 BLOCK-014
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	14
Legal Lot Number	3
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	Individual Name on Record
Mailing Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 1, 2005	Deed of Trust, Mortgage · Reverse Mortgage WELLS FARGO BANK NA
May 26, 2026	Warranty Deed, Transfer · Conventional Mortgage ZILLOW HOME LOANS LLC
Mar 31, 2022	Warranty Deed, Transfer · Conventional Mortgage CAMBRIA FINANCIAL GROUP LLC
Mar 8, 2021	Warranty Deed, Transfer · FHA Mortgage BELL BANK
Jul 21, 2020	Limited Warranty Deed, Transfer THE TITLE GROUP INC
Mar 31, 2020	Deed in Lieu of Foreclosure, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Mar 31, 2022 · Amount on Record
Deed Document Number	2026483512
Record Updated	Sep 20, 2026

July 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Transaction Type	Mortgage
Record Updated	Jun 17, 2026
Title Company	CRESTE TITLE, RETE TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A327798
Date	Jul 1, 2005
Instrument	A327798

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	DES MOINES, IA 50306

Agreement

Type	Reverse Mortgage
Amount	Amount Recorded
Term	919 Months
Due	Feb 16, 2082

Interest

Rate Type	Adjustable Rate
Rate	4.8%
Type Change Date	Sep 1, 2005
Change Frequency	Annually
Index	1-Year CMT
Max Rate	14.8%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 26, 2026
Property Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Document Number	0000483512
Instrument Date	May 21, 2026
Instrument	2026483512
Transaction Type	Transfer
Record Updated	Jun 9, 2026
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$83,325.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424

Mortgage

Document Number	0000483513,
Date	May 26, 2026
Instrument	2026483513

Lender

Name	ZILLOW HOME LOANS LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 31, 2022
Property Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Document Number	0000459705
Instrument Date	Mar 31, 2022
Instrument	459705
Transaction Type	Transfer
Record Updated	Apr 18, 2022
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$762.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424

Mortgage

Document Number	0000459706
Date	Mar 31, 2022
Instrument	459706

Lender

Name	CAMBRIA FINANCIAL GROUP LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2052

March 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 8, 2021
Property Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Document Number	450348
Instrument Date	Feb 16, 2021
Instrument	450348
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	THE TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$659.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424

Mortgage

Document Number	450349
Date	Mar 8, 2021
Instrument	450349

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2051

July 2020: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 21, 2020
Property Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Document Number	444498
Instrument Date	Jul 1, 2020
Instrument	444498
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	THE TITLE GROUP INC

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3495 NORTHDALE BLVD NW STE 200, 200, COON RAPIDS, MN 55448-6714
Investor	Possibly a Property Investor

March 2020: Deed in Lieu of Foreclosure, Foreclosure

Document Type	Deed in Lieu of Foreclosure
Jurisdiction	BENTON MN
Recording Date	Mar 31, 2020
Property Address	222 3RD AVE NE, SAINT CLOUD, MN 56304-0424
Document Number	442028
Instrument Date	Feb 14, 2020
Instrument	442028
Transaction Type	Foreclosure
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name
Address	10 RIVERCREST DR APT 205, 10, SAINT CLOUD, MN 56303-2083

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	$3,244.00 (+16.44%) Homeowner's exemption	$249,100 (+8.92%) Land $25,000 Building $224,100	$249,100 (+8.92%) Land $25,000 Building $224,100
2025	$2,786.00 (-0.36%) Homeowner's exemption	$228,700 (+1.78%) Land $25,000 Building $203,700	$228,700 (+1.78%) Land $25,000 Building $203,700
2023	$2,796.00	$224,700 Land $25,000 Building $199,700	$224,700 Land $25,000 Building $199,700

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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