2405 3rd St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 2405 3rd St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	4 bd · 3 ba · 1,680 sqft · built 1953
Lot Size	0.13 acres (5,663 sqft)
Owner	Individual Name on File
Last Sale	$117,900 (Jun 2016)
Tax Bill	$3,046 (2026)
Deeds & Mortgages	May 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`82-45322-0000`

Property Details

APN / Parcel Number

Primary APN	`82-45322-0000`

Interior

Bedrooms	4 Beds
Full Baths	3 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,680 sqft Living Area
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1953
Effective Year Built	Effective 1953
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Width	46 ft Width
Garage Area	520 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2405 3RD ST N
City	SAINT CLOUD
State	MN
Zip	56303-4319
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	S 46' OF LOT 14 BLK 8 CENTRAL PARK ADD SECTION 10 TOWNSHIP 124 RANGE 028 CENTRAL PARK ADD SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTRAL PARK ADD
Legal Block	8
Legal Lot Number	14
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	602

Owner

Source: Stearns County assessment roll, as of July 30, 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 File
Mailing Address	2405 3RD ST N, SAINT CLOUD, MN 56303-4319
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 17, 2016 · Amount on Record
Deed Sale	Jun 17, 2016 · Amount on Record
Deed Document Number	2016517493
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 22, 2026
Property Address	2405 3RD ST N, SAINT CLOUD, MN 56303-4319
Document Number	0001713539
Instrument Date	May 12, 2026
Instrument	20261713539
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TITLE SERVICE AND LIAISON COMPANIES, INDECOMM GLOBAL SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2405 3RD ST N, SAINT CLOUD, MN 56303-4319

Mortgage

Document Number	0001713539,
Date	May 22, 2026
Instrument	20261713539

Lender

Name	LAKEVIEW LOAN SERVICING

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Jun 8, 2056

Interest

Rate	6.3%
Max Rate	-1%

Tax Assessment & Valuation

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	$3,046.00 (+24.63%)	$227,900 (-) Land $25,000 Building $202,900	$227,900 (-) Land $25,000 Building $202,900
2025		$227,900 (+4.45%) Land $25,000 Building $202,900	$227,900 (+4.45%) Land $25,000 Building $202,900
2023	$2,444.00	$218,200 Land $25,000 Building $193,200	$218,200 Land $25,000 Building $193,200

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

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

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

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

May also be available: AT&T, Lumen Technologies.

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