224 37th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 224 37th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,152 sqft · built 1974
Lot Size	0.24 acres (10,454 sqft)
Owner	Individual Name on File
Last Sale	$133,000 (May 2019)
Tax Bill	$2,882 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage May 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-46220-0000`

Property Details

APN / Parcel Number

Primary APN	`82-46220-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,152 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Width	84 ft Width
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	224 37TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-4052
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 16 & 17 BLK 4 COTTAGE PLACE ADD SECTION 16 TOWNSHIP 124 RANGE 028 COTTAGE PLACE ADD SECTION 16 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	16
Legal Subdivision	COTTAGE PLACE ADD
Legal Block	4
Legal Lot Number	16-17
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	601

Owner

224 37th Ave N is owned and occupied by an individual who bought it in May 2019.

Source: Stearns County records, as of July 21, 2026

Owner of Record	Individual Name on File
Mailing Address	224 37TH AVE N, SAINT CLOUD, MN 56303-4052
Occupancy	Owner Occupied
Owner Type	Individual

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

Date	Document
Jul 21, 2026	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
May 29, 2019	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 29, 2019 · Amount on File
Deed Sale	May 29, 2019 · Amount on File
Deed Document Number	20191544381
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 21, 2026
Property Address	224 37TH AVE N, SAINT CLOUD, MN 56303-4052
Document Number	0001717512
Instrument Date	Jul 17, 2026
Instrument	20261717512
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$86,658.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	224 37TH AVE N, SAINT CLOUD, MN 56303-4052

Mortgage

Document Number	0001717513,
Date	Jul 21, 2026
Instrument	20261717513

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001717514,
Date	Jul 21, 2026
Instrument	20261717514

Lender

Name	EVERETT FINANCIAL INC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.47%
Initial Type	Fixed Rate
Max Rate	-1%

May 2019: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	May 29, 2019
Property Address	224 37TH AVE N, SAINT CLOUD, MN 56303-4052
Document Number	00A1544381
Instrument Date	Apr 27, 2019
Instrument	A1544381
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	224 37TH AVE N, SAINT CLOUD, MN 56303-4052

Tax Assessment & Valuation

The 2026 property tax bill for 224 37th Ave N was $2,882 with a homeowner's exemption.

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$2,882.00
2025		$213,400 Land $30,000 Building $183,400	$213,400 Land $30,000 Building $183,400
2023	$2,352.00	$204,700 Land $30,000 Building $174,700	$204,700 Land $30,000 Building $174,700

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

Flood

FEMA maps place 224 37th Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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

The area around 224 37th Ave N has no burnable land within ember reach, so its wildfire risk is not rated.

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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Xtratyme Technologies.

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