2421 18th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2421 18th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on Record
Last Sale	$500 (Jul 2025)
Tax Bill	$6,866 (2025)
Deeds & Mortgages	Feb 2024 Line of Credit May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-433-0330`

Property Details

APN / Parcel Number

Primary APN	`85-433-0330`
Alternative APNs	`85-00433-0330` `43228`

Exterior

Lot Area	26,572 sqft (0.61 acres)

Location & Zoning

Street Address	2421 18TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-7400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 6, BLK 3
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT THREE
Legal Block	3
Legal Lot Number	6
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	31500

Owner

Source: Sherburne County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	2421 18TH AVE SE, SAINT CLOUD, MN 56304-7400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 16, 2024	Deed of Trust, Mortgage · Line of Credit GRANITE COMMUNITY BANK
May 11, 2020	Deed of Trust, Mortgage · VA Mortgage BAY EQUITY
Sep 6, 2019	Warranty Deed, Transfer · VA Mortgage BAY EQUITY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 1, 2025 · Amount on Record
Deed Sale	Jul 1, 2025 · Amount on Record
Prior Sale	Sep 6, 2019 · Amount on Record
Prior Transfer Date	Jun 18, 2025
Prior Transfer Doc	0000984645
Record Updated	Jun 8, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2421 18TH AVE SE, SAINT CLOUD, MN 56304-7400
Transaction Type	Mortgage
Record Updated	Feb 28, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2421 18TH AVE SE, SAINT CLOUD, MN 56304-7400
Investor	Possibly a Property Investor

Mortgage

Document Number	0000966602
Date	Feb 16, 2024
Instrument	966602

Lender

Name	GRANITE COMMUNITY BANK
Type	Bank
Address	COLD SPRING, MN 56320

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Feb 26, 2029

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2421 18TH AVE SE, SAINT CLOUD, MN 56304-7400
Document Number	0000891652
Instrument Date	May 11, 2020
Transaction Type	Mortgage
Record Updated	Jul 24, 2020
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MTG SOLUTIONS

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2421 18TH AVE SE ST CLOUD MN 563047400, ST CLOUD, MN 56304-7400

Mortgage

Document Number	0000891652
Date	May 18, 2020
Instrument	891652

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	CORTE MADERA, CA 94925

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 17, 2050

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 6, 2019
Property Address	2421 18TH AVE SE, SAINT CLOUD, MN 56304-7400
Document Number	0000878105
Instrument Date	Aug 29, 2019
Instrument	878105
Transaction Type	Transfer
Record Updated	Sep 24, 2019
Title Company	TRI COUNTY ABSTRACT AND TITLE GUARANT, TRI COUNTY ABS & TITLE GUARANT

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,204.17
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2421 18TH AVE SE ST CLOUD MN 563047400, ST CLOUD, MN 56304-7400

Mortgage

Document Number	878106
Date	Sep 6, 2019
Instrument	878106

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 5, 2049

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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
2025	$6,866.00 (+16.41%)	$472,200 (-) Land $70,000 Building $402,200	$472,200 (-) Land $70,000 Building $402,200
2023	$5,898.00	$472,200 Land $70,000 Building $402,200
2021			$472,200 Land $70,000 Building $402,200

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 November 16, 2011

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	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 129 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: Verizon.

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