230 2nd St NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 230 2nd St NE, Saint Cloud, MN 56304

Property Summary

Property Type	Apartment House (2-4 Units)
Lot Size	1.55 acres (67,617 sqft)
Owner	Company Name on File
Last Sale	$3,310,000 (Dec 2020)
Tax Bill	$67,386 (2026)
Deeds & Mortgages	Aug 2021 Mortgage Dec 2020 Sale & Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17.00579.00`

Property Details

APN / Parcel Number

Primary APN	`17.00579.00`

Interior

Units	48 Units

Exterior

Architectural Style	Multi-Family
Lot Area	67,617 sqft (1.55 acres)

Location & Zoning

Street Address	230 2ND ST NE
City	SAINT CLOUD
State	MN
Zip	56304-0400
Property Category	Commercial
Property Type	Residential > Multi-Unit > Apartment House (2-4 Units)
Legal Description	SECT-35 TWP-036 RANGE-031 RIVER-SIDE BLOCK-00A PART OF BLK A & LOTS 2 THRU 6 & PT OF LOT 7 & TR S OF LOT 2 BLK 9 PLUS ST
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Tract	S
Legal Block	A
Legal Lot Number	2-7
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4013
Census Tract	21201

Owner

230 2nd St NE, a residential property, is owned by a company that bought it in December 2020.

Source: Benton County records, as of July 31, 2026

Owner of Record	Company Name on File
Mailing Address	400 S 4TH ST, 410, MINNEAPOLIS, MN 55415-1419
Owner Type	Company
Vesting	Company

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
Aug 17, 2021	Warranty Deed, Transfer · Commercial Mortgage ARBOR COMMERCIAL FUNDING LLC
Dec 29, 2020	Warranty Deed, Transfer · Line of Credit HIWAY CREDIT UNION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 29, 2020 · Amount on File
Deed Sale	Dec 29, 2020 · Amount on File
Deed Document Number	2020448585
Prior Transfer Date	Dec 16, 2020
Prior Transfer Doc	0000448585
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 17, 2021
Property Address	230 2ND ST NE, SAINT CLOUD, MN 56304-0400
Document Number	0000454689
Instrument Date	Aug 16, 2021
Instrument	454689
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	GUARANTY COMMERCIAL TITLE INC, GUARANTY COMMERCIAL TTL INC

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 638, WAYZATA, MN 55391-0638

Mortgage

Document Number	0000454690
Date	Aug 17, 2021
Instrument	454690

Lender

Name	ARBOR COMMERCIAL FUNDING LLC
Type	Lending Institution

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

December 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Dec 29, 2020
Property Address	230 2ND ST NE, SAINT CLOUD, MN 56304-0400
Document Number	0000448585
Instrument Date	Dec 22, 2020
Instrument	448585
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	COMMERCIAL PARTNERS TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$10,923.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3219 LAKE SHORE BLVD, WAYZATA, MN 55391-2932

Mortgage

Document Number	0000448586
Date	Dec 29, 2020
Instrument	448586

Lender

Name	HIWAY CREDIT UNION
Type	Non-Lending Institution

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	120 Months
Due	Dec 22, 2030

Tax Assessment & Valuation

The 2026 property tax bill for 230 2nd St NE was $67,386, up 14.7% from the year before.

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	$67,386.00 (+14.73%)	$3,446,000 (-) Land $336,000 Building $3,110,000	$3,446,000 (-) Land $336,000 Building $3,110,000
2025	$58,732.00	$3,446,000 Land $336,000 Building $3,110,000	$3,446,000 Land $336,000 Building $3,110,000
2023	$46,378.00	$3,445,400 Land $336,000 Building $3,109,400	$3,445,400 Land $336,000 Building $3,109,400

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

Flood

FEMA maps place 230 2nd St NE in Zone X, an area of minimal flood risk.

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

The area around 230 2nd St NE 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 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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