25 21st Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 25 21st Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 780 sqft · built 1959
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$170,000 (May 2026)
Tax Bill	$2,170 (2026)
Deeds & Mortgages	Apr 2026 Mortgage May 2026 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82-46035-0000`

Property Details

APN / Parcel Number

Primary APN	`82-46035-0000`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	780 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1959
Effective Year Built	Effective 1959
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Width	41 ft Width
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	25 21ST AVE S
City	SAINT CLOUD
State	MN
Zip	56301-3951
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 007 BLK 008 COLONIAL GARDENS ADD SECTION 15 TOWNSHIP 124 RANGE 028 SECTION 15 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	15
Legal Subdivision	COLONIAL GARDENS ADD
Legal Block	8
Legal Lot Number	7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3040
Census Tract	601

Owner

Source: Stearns County records, as of June 5, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	25 21ST AVE S, SAINT CLOUD, MN 56301-3951
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 2, 2026	Deed of Trust, Mortgage · Conventional Mortgage GRANITE BANK
May 18, 2026	Contract Sale, Transfer
Mar 6, 2026	Limited Warranty Deed, Transfer
Jun 29, 2021	Warranty Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Mar 6, 2026 · Amount on Record
Deed Document Number	20261713231
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 2, 2026
Property Address	25 21ST AVE S, SAINT CLOUD, MN 56301-3951
Document Number	0001710685
Instrument Date	Mar 24, 2026
Instrument	20261710685
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	1301 5TH AVE N, COLD SPRING, MN 56320-4511

Mortgage

Document Number	0001710685,
Date	Apr 2, 2026
Instrument	20261710685

Lender

Name	GRANITE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Apr 5, 2031

Interest

Rate	5.98%
Max Rate	-1%

May 2026: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	STEARNS MN
Recording Date	May 18, 2026
Property Address	25 21ST AVE S, SAINT CLOUD, MN 56301-3951
Document Number	0001713231
Instrument Date	Mar 12, 2026
Instrument	20261713231
Transaction Type	Transfer
Record Updated	Jun 5, 2026

Transaction

Amount	Amount Recorded
Tax	$56,661.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2026: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 6, 2026
Property Address	25 21ST AVE S, SAINT CLOUD, MN 56301-3951
Document Number	00A1709208
Instrument Date	Jan 27, 2026
Instrument	A1709208
Transaction Type	Transfer
Record Updated	May 19, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1301 5TH AVE N, COLD SPRING, MN 56320-4511

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 29, 2021
Property Address	25 21ST AVE S, SAINT CLOUD, MN 56301-3951
Document Number	00A1607176
Instrument Date	Jun 16, 2021
Instrument	A1607176
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
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
Address	25 21ST AVE S, SAINT CLOUD, MN 56301-3951

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$2,170.00 (-22.05%)
2025	$2,784.00 (+37.28%)	$174,700 (+4.24%) Land $25,000 Building $149,700	$174,700 (+4.24%) Land $25,000 Building $149,700
2023	$2,028.00	$167,600 Land $25,000 Building $142,600	$167,600 Land $25,000 Building $142,600

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 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

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 458 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
Starlink Satellite	280 / 30
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T.

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