2326 40th Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2326 40th Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,796 sqft · built 2015
Lot Size	0.631 acres (27,486 sqft)
Owner	2 Individual Names on File
Last Sale	$320,000 (Jul 2021)
Tax Bill	$1,166 (2026)
Deeds & Mortgages	May 2026 Mortgage Nov 2025 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82-51254-0806`

Property Details

APN / Parcel Number

Primary APN	`82-51254-0806`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,796 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	27,486 sqft (0.631 acres)
Lot Width	48 ft Width
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2326 40TH AVE S
City	SAINT CLOUD
State	MN
Zip	56301-9803
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD84
Legal Description	LOT 007 BLK 001 SUN VILLA ESTATES SECTION 21 TOWNSHIP 124 RANGE 028 SECTION 21 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	21
Legal Subdivision	SUN VILLA ESTATES
Legal Block	1
Legal Lot Number	7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	401

Owner

2326 40th Ave S is owned and occupied by two individuals who acquired it in October 2025.

Source: Stearns County records, as of July 30, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803
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
May 12, 2026	Deed of Trust, Mortgage · VA Mortgage FEDERAL SAVINGS BANK
Nov 5, 2025	Transfer on Death Deed, Transfer
Nov 18, 2022	Quit Claim Deed, Transfer Quitclaim
Jul 7, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 7, 2021 · Amount on File
Deed Sale	Jul 7, 2021 · Amount on File
Deed Document Number	20211607815
Last Transfer Date	Oct 31, 2025
Transfer Doc	00A1702757
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 12, 2026
Property Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803
Document Number	0001712880
Instrument Date	May 4, 2026
Instrument	20261712880
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803

Mortgage

Document Number	0001712880,
Date	May 12, 2026
Instrument	20261712880

Lender

Name	FEDERAL SAVINGS BANK

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.46%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 5, 2025
Property Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803
Document Number	00A1702757
Instrument Date	Nov 5, 2025
Instrument	A1702757
Transaction Type	Transfer
Record Updated	Dec 16, 2025

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 18, 2022
Property Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803
Document Number	00A1644658
Instrument Date	Sep 23, 2022
Instrument	A1644658
Transaction Type	Transfer
Record Updated	Dec 21, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 7, 2021
Property Address	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803
Document Number	00A1607815
Instrument Date	Jun 24, 2021
Instrument	A1607815
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
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	2326 40TH AVE S, SAINT CLOUD, MN 56301-9803

Tax Assessment & Valuation

The 2026 property tax bill for 2326 40th Ave S was $1,166, up 72.5% from the year before.

Source: Stearns County assessment roll, as of July 30, 2026

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	$1,166.00 (+72.49%)	$377,800 (-) Land $70,000 Building $307,800	$377,800 (-) Land $70,000 Building $307,800
2025	$676.00	$377,800 Land $70,000 Building $307,800	$377,800 Land $70,000 Building $307,800
2023	$296.00	$349,800 Land $35,000 Building $314,800	$349,800 Land $35,000 Building $314,800

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

Flood

FEMA maps place 2326 40th Ave S 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

Wildfire risk around 2326 40th Ave S is low, with a 0.02% annual chance of wildfire.

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

Wildfire Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.02% 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 136 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	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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