Stearns County property record for 2431 40th Ave S, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.19 acres (8,276 sqft) |
| Owner | Individual Name on File |
| Last Sale | $405,000 (Jul 2024) |
| Tax Bill | $6,114 (2026) |
| Deeds & Mortgages | Aug 2026 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-51254-0887 |
| Primary APN | 82-51254-0887 |
|---|---|
| Alternative APN |
|
| Lot Area | 8,276 sqft (0.19 acres) |
|---|---|
| Lot Width | 28 ft Width |
| Cooling System | None |
|---|
| Street Address | 2431 40TH AVE S |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-9846 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD84 |
| Legal Description | LOT 007 BLK 001 SUN VILLA ESTATES FOUR SECTION 21 TOWNSHIP 124 RANGE 28 SECTION 21 TOWNSHIP 124 RANGE 28 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 21 |
| Legal Subdivision | SUN VILLA ESTATES FOUR |
| 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 |
2431 40th Ave S is owned and occupied by an individual who bought it in July 2024.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2431 40TH AVE S, SAINT CLOUD, MN 56301-9846 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jul 22, 2024 · Amount on File |
| Deed Sale | Jul 22, 2024 · Amount on File |
| Deed Document Number | 20241671912 |
| Record Updated | Oct 29, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 11, 2026 |
| Property Address | 2431 40TH AVE S, SAINT CLOUD, MN 56301-9846 |
| Document Number | 0001718953 |
| Instrument Date | Jul 28, 2026 |
| Instrument | 20261718953 |
| Transaction Type | Transfer |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2026 property tax bill for 2431 40th Ave S was $6,114.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,114.00 | $415,800 (-) Land $70,000 Building $345,800 | $415,800 (-) Land $70,000 Building $345,800 |
| 2025 | $415,800 Land $70,000 Building $345,800 | $415,800 Land $70,000 Building $345,800 | |
| 2024 | $5,042.00 (+98.66%) | ||
| 2023 | $2,538.00 | $18,000 Land $18,000 | $18,000 Land $18,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
FEMA maps place 2431 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 risk around 2431 40th Ave S is low, with a 0.01% annual chance of 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.
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 |
| 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.
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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