228 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 228 4th 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	$235,000 (Jul 2025)
Tax Bill	$2,264 (2026)
Deeds & Mortgages	Sep 2019 Sale Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00903.00`

Property Details

APN / Parcel Number

Primary APN	`17.00903.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	228 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-002 BLOCK-021
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	21
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4035
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	228 4TH AVE NE, SAINT CLOUD, MN 56304-0430
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Sep 11, 2019	Warranty Deed, Transfer QUDARY TITLE, QUARRY TITLE
Oct 26, 2018	Warranty Deed, Transfer · Conventional Mortgage UNITED WHOLESALE MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 29, 2025 · Amount on Record
Deed Sale	Jul 29, 2025 · Amount on Record
Prior Sale	Sep 11, 2019 · Amount on Record
Deed Document Number	2025478639
Record Updated	Sep 20, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 11, 2019
Property Address	228 4TH AVE NE, SAINT CLOUD, MN 56304-0430
Document Number	438144
Instrument Date	Sep 6, 2019
Instrument	438144
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	QUDARY TITLE, QUARRY TITLE

Transaction

Amount	Amount Recorded
Tax	$544.50
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	228 4TH AVE NE, SAINT CLOUD, MN 56304-0430

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 26, 2018
Property Address	228 4TH AVE NE, SAINT CLOUD, MN 56304-0430
Document Number	432481
Instrument Date	Oct 15, 2018
Instrument	432481
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	228 4TH AVE NE, SAINT CLOUD, MN 56304-0430

Mortgage

Document Number	432482
Date	Oct 26, 2018
Instrument	432482

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2048

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	$2,264.00 (+3.66%) Homeowner's exemption	$188,400 (+8.59%) Land $25,000 Building $163,400	$188,400 (+8.59%) Land $25,000 Building $163,400
2023	$2,184.00	$173,500 Land $25,000 Building $148,500	$173,500 Land $25,000 Building $148,500

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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