Sherburne County property record for 2536 45th Ave SE, Saint Cloud, MN 56304
| Property Type | Rural Home |
|---|---|
| Details | 2 bd · 2 ba · 1,080 sqft · built 1980 |
| Lot Size | 20 acres (871,200 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $233,000 (Nov 2003) |
| Tax Bill | $3,438 (2025) |
| Deeds & Mortgages | Oct 2022 Mortgage Dec 2017 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-009-4405 |
| Primary APN | 25-009-4405 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Architectural Style | Split Foyer |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 871,200 sqft (20 acres) |
| Garage Type | Attached |
| Garage Area | 648 sqft |
| Driveway | Driveway |
| Porch | Porch |
|---|---|
| Porch Area | 216 sqft |
| Patio Area | 408 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Street Address | 2536 45TH AVE SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Rural Home |
| Local Zoning Code | A |
| Legal Description | S 20 ACRES OF N 40 ACRES OF S 1-2 OF SE 1-4. SUBJ TO EASEMENT DESC AS PARCEL 8 SHERB CTY ROW PLAT 76 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 09 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 30301 |
Source: Sherburne County records, as of August 4, 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 | 2536 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 10, 2022 | Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU |
| Dec 18, 2017 | Deed of Trust, Mortgage · Conventional Mortgage CARDINAL FINANCIAL CO |
| Jan 24, 2020 | Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 7, 2003 · Amount on Record |
| Deed Sale | Nov 7, 2003 · Amount on Record |
| Deed Document Number | 200362491 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 2536 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Transaction Type | Mortgage |
| Record Updated | Oct 19, 2022 |
| Name | Verified Name |
|---|---|
| Address | 2536 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Document Number | 0000949400 |
|---|---|
| Date | Oct 10, 2022 |
| Instrument | 949400 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 108 Months |
| Due | Oct 1, 2031 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 2536 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000849671 |
|---|---|
| Date | Dec 18, 2017 |
| Instrument | 849671 |
| Name | CARDINAL FINANCIAL CO |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 300 Months |
| Due | Jan 1, 2038 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 2536 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000885872 |
|---|---|
| Date | Jan 24, 2020 |
| Instrument | 885872 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jan 13, 2025 |
| Rate Type | Fixed Rate |
|---|
Source: Sherburne County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $418,800 (+535.51%) Land $201,000 Building $217,800 | $418,800 (+535.51%) Land $201,000 Building $217,800 | |
| 2025 | $3,438.00 (+8.05%) | ||
| 2023 | $3,182.00 | $65,900 Land $65,900 | |
| 2021 | $65,900 Land $65,900 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
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.
Source: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Arvig Fiber | 1,000 / 500 |
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