2528 42nd Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2528 42nd Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 950 sqft · built 2007
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$299,900 (Oct 2026)
Tax Bill	$3,472 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-44445-0495`

Property Details

APN / Parcel Number

Primary APN	`82-44445-0495`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	950 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Width	60 ft Width
Garage Area	478 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2528 42ND AVE S
City	SAINT CLOUD
State	MN
Zip	56301-5489
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD65
Legal Description	LOT 005 BLK 004 BOULDER RIDGE ESTATES SECTION 21 TOWNSHIP 124 RANGE 028 SECTION 21 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	21
Legal Subdivision	BOULDER RIDGE ESTATES
Legal Block	4
Legal Lot Number	5
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2000
Census Tract	401

Owner

2528 42nd Ave S is owned and occupied by an individual who bought it in October 2026.

Source: Stearns County records, as of October 20, 2026

Owner of Record	Individual Name on File
Mailing Address	2528 42ND AVE S, SAINT CLOUD, MN 56301-5489
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 7, 2026 · Amount on File
Deed Sale	Oct 7, 2026 · Amount on File
Deed Document Number	20261722305
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 7, 2026
Property Address	2528 42ND AVE S, SAINT CLOUD, MN 56301-5489
Document Number	0001722305
Instrument Date	Oct 2, 2026
Instrument	20261722305
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	BURNET TITLE LLC, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$99,956.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2528 42ND AVE S, SAINT CLOUD, MN 56301-5489

Mortgage

Document Number	0001722306,
Date	Oct 7, 2026
Instrument	20261722306

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Nov 1, 2056

Interest

Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 2528 42nd Ave S was $3,472.

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	$3,472.00	$254,400 (-) Land $70,000 Building $184,400	$254,400 (-) Land $70,000 Building $184,400
2025		$254,400 Land $70,000 Building $184,400	$254,400 Land $70,000 Building $184,400
2023	$2,836.00	$253,700 Land $40,000 Building $213,700	$253,700 Land $40,000 Building $213,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2528 42nd 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

Wildfire risk around 2528 42nd Ave S is low, with a 0.05% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 66% of Minnesota
Wildfire Likelihood	0.05% 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 225 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink.

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