245 29th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 245 29th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.253 acres (11,049 sqft)
Owner	2 Individual Names on Record
Last Sale	$500,000 (Oct 2024)
Tax Bill	$7,736 (2026)
Deeds & Mortgages	May 2020 Line of Credit Feb 2020 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.02360.00`

Property Details

APN / Parcel Number

Primary APN	`17.02360.00`

Exterior

Architectural Style	Multi-Family
Lot Area	11,049 sqft (0.253 acres)

Location & Zoning

Street Address	245 29TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-5000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-32 TWP-036 RANGE-030 AYERS MILL POND LOT-001 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	32
Legal Subdivision	AYERS MILL POND
Legal Block	1
Legal Lot Number	1
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3001
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	245 29TH AVE SE, SAINT CLOUD, MN 56304-5000
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 27, 2020	Deed of Trust, Mortgage · Line of Credit GLENWOOD STATE BANK
Feb 12, 2020	Warranty Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL
Jun 21, 2019	Warranty Deed, Transfer RACHEL INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 17, 2024 · Amount on Record
Deed Sale	Oct 17, 2024 · Amount on Record
Prior Sale	Feb 12, 2020 · Amount on Record
Deed Document Number	2024474050
Record Updated	Sep 20, 2026

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	245 29TH AVE SE, SAINT CLOUD, MN 56304-5000
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000443103
Date	May 27, 2020
Instrument	443103

Lender

Name	GLENWOOD STATE BANK
Type	Bank
Address	ALEXANDRIA, MN 56308

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	May 30, 2025

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 12, 2020
Property Address	245 29TH AVE SE, SAINT CLOUD, MN 56304-5000
Document Number	0000441273
Instrument Date	Feb 7, 2020
Instrument	441273
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Tax	$98.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	313 WAITE AVE S, SAINT CLOUD, MN 56301-7337

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 21, 2019
Property Address	245 29TH AVE SE, SAINT CLOUD, MN 56304-5000
Document Number	0000436463
Instrument Date	Jun 17, 2019
Instrument	436463
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11690 95TH ST NE, OTSEGO, MN 55330-7423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000436464
Date	Jun 21, 2019
Instrument	436464

Lender

Name	RACHEL INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	48 Months
Due	Jun 16, 2023

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$7,736.00 (+12.41%) Homeowner's exemption	$498,600 (-) Land $70,000 Building $428,600	$498,600 (-) Land $70,000 Building $428,600
2025	$6,882.00 (+0.17%) Homeowner's exemption	$498,600 (-) Land $45,000 Building $453,600	$498,600 (-) Land $45,000 Building $453,600
2023	$6,870.00	$498,600 Land $45,000 Building $453,600	$498,600 Land $45,000 Building $453,600

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 July 29, 2019

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	Moderate above 48% of the US · above 78% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
AT&T Fixed Wireless	25 / 3
T-Mobile Fixed Wireless	25 / 3

May also be available: CenturyLink, Spectrum, Verizon.

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