2310 10th Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2310 10th Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,160 sqft · built 1960
Lot Size	0.31 acres (13,504 sqft)
Owner	Individual Name on Record
Last Sale	$246,000 (Aug 2022)
Tax Bill	$3,160 (2026)
Deeds & Mortgages	May 2026 Mortgage Sep 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-47447-0065`

Property Details

APN / Parcel Number

Primary APN	`82-47447-0065`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,160 sqft Living Area

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	13,504 sqft (0.31 acres)
Lot Width	76 ft Width
Garage Area	504 sqft
Parking Spaces	2 Parking Spaces
Total Buildings	2 Buildings

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2310 10TH AVE S
City	SAINT CLOUD
State	MN
Zip	56301-5806
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 014 BLK 002 HOLY SPIRIT ADD SECTION 23 TOWNSHIP 124 RANGE 028 SECTION 23 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	HOLY SPIRIT ADD
Legal Block	2
Legal Lot Number	14
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2023
Census Tract	304

Owner

Source: Stearns County records, as of June 12, 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	2310 10TH AVE S, SAINT CLOUD, MN 56301-5806
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 28, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE CLOUD FEDERAL CREDIT UNION
Sep 14, 2022	Warranty Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 1, 2022 · Amount on Record
Deed Sale	Aug 1, 2022 · Amount on Record
Prior Sale	Jul 8, 2015 · Amount on Record
Deed Document Number	20221457637
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 28, 2026
Property Address	2310 10TH AVE S, SAINT CLOUD, MN 56301-5806
Document Number	0001713955
Instrument Date	May 11, 2026
Instrument	20261713955
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ICE MORTGAGE TECHNOLOGY INC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2310 10TH AVE S, SAINT CLOUD, MN 56301-5806

Mortgage

Document Number	0001713955,
Date	May 28, 2026
Instrument	20261713955

Lender

Name	STATE CLOUD FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 15, 2031

Interest

Rate	6.37%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 14, 2022
Property Address	2310 10TH AVE S, SAINT CLOUD, MN 56301-5806
Document Number	00A1640545
Instrument Date	Aug 1, 2022
Instrument	A1640545
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
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	2310 10TH AVE S, SAINT CLOUD, MN 56301-5806

Tax Assessment & Valuation

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	$3,160.00 (+24.8%)
2025		$235,900 (+4.1%) Land $40,000 Building $195,900	$235,900 (+4.1%) Land $40,000 Building $195,900
2023	$2,532.00	$226,600 Land $40,000 Building $186,600	$226,600 Land $40,000 Building $186,600

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 September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Intrepid Fiber Networks, Verizon.

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