2565 20th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2565 20th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.049 acres (2,135 sqft)
Owner	Individual Name on Record
Last Sale	$212,751 (Nov 2025)
Tax Bill	$2,856 (2025)
Deeds & Mortgages	Nov 2025 Sale & Line of Credit Jul 2022 Transfer
Flood Zone	Zone X (minimal risk)
APN	`85-459-0024`

Property Details

APN / Parcel Number

Primary APN	`85-459-0024`
Alternative APNs	`85-00459-0024` `47066`

Exterior

Lot Area	2,135 sqft (0.049 acres)

Location & Zoning

Street Address	2565 20TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-4685
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	UNIT 24 FIRST SUPPLEMENT
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	CIC #70 POND VIEW VILLAGE TOWNHOMES
Legal Unit	24
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1002
Census Tract	31500

Owner

Source: Sherburne County records, as of April 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	2565 20TH AVE SE, SAINT CLOUD, MN 56304-4685
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 19, 2025	Warranty Deed, Transfer · Line of Credit DEERWOOD BANK
Jul 15, 2022	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Aug 3, 2015 · Amount on Record
Deed Document Number	2025990784
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Nov 19, 2025
Property Address	2565 20TH AVE SE, SAINT CLOUD, MN 56304-4685
Document Number	0000990784
Instrument Date	Nov 14, 2025
Instrument	990784
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$702.08
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2565 20TH AVE SE, SAINT CLOUD, MN 56304-4685

Mortgage

Document Number	0000990785
Date	Nov 19, 2025
Instrument	990785

Lender

Name	DEERWOOD BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Dec 1, 2045

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

July 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 15, 2022
Property Address	2565 20TH AVE SE, SAINT CLOUD, MN 56304-4685
Document Number	0000945523
Instrument Date	Jul 11, 2022
Instrument	945523
Transaction Type	Transfer
Record Updated	Jul 28, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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
2025	$2,856.00 (+38.78%)	$219,400 (+15.78%) Land $40,000 Building $179,400	$219,400 (+15.78%) Land $40,000 Building $179,400
2023	$2,058.00	$189,500 Land $25,000 Building $164,500
2021			$189,500 Land $25,000 Building $164,500

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 November 16, 2011

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	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 9 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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