26 23rd Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 26 23rd Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,380 sqft · built 1985
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on Record
Last Sale	$225,500 (Jun 2022)
Tax Bill	$3,132 (2026)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2022 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82-45970-0000`

Property Details

APN / Parcel Number

Primary APN	`82-45970-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,380 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1985
Effective Year Built	Effective 1985
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Width	62 ft Width
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	26 23RD AVE N
City	SAINT CLOUD
State	MN
Zip	56303-4334
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 20 & N1/2 OF 19 BLK 2 COLONIAL GARDENS ADD SECTION 15 TOWNSHIP 124 RANGE 028 COLONIAL GARDENS ADD SECTION 15 TOWNSHIP 124
Legal Range	28W
Legal Township	124
Legal Section	15
Legal Subdivision	COLONIAL GARDENS ADD
Legal Block	2
Legal Lot Number	20
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3028
Census Tract	602

Owner

Source: Stearns County records, as of April 21, 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	26 23RD AVE N, SAINT CLOUD, MN 56303-4334
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 8, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jun 9, 2022	Warranty Deed, Transfer MISC COMPANY
Feb 17, 2021	Warranty Deed, Transfer MISC COMPANY
Mar 1, 2019	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2022 · Amount on Record
Deed Sale	Jun 1, 2022 · Amount on Record
Prior Sale	Feb 17, 2021 · Amount on Record
Deed Document Number	20221420502
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jul 8, 2026
Property Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334
Document Number	0001716610
Instrument Date	Jun 26, 2026
Instrument	20261716610
Transaction Type	Mortgage
Record Updated	Jul 29, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334

Mortgage

Document Number	0001716610,
Date	Jul 8, 2026
Instrument	20261716610

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Jul 1, 2052

Interest

Rate	6.53%
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 9, 2022
Property Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334
Document Number	00A1634218
Instrument Date	Jun 1, 2022
Instrument	A1634218
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
Relationship	Joint Tenants
Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 17, 2021
Property Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334
Document Number	00A1594602
Instrument Date	Feb 16, 2021
Instrument	A1594602
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
Relationship	Joint Tenants
Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 1, 2019
Property Address	26 23RD AVE N, SAINT CLOUD, MN 56303-4334
Document Number	00A1539136
Instrument Date	Feb 12, 2019
Instrument	A1539136
Transaction Type	Transfer
Record Updated	Aug 18, 2022

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	26 23RD AVE N, SAINT CLOUD, MN 56303-4334

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	$3,132.00 (+22.73%)
2025		$234,200 (+4.46%) Land $25,000 Building $209,200	$234,200 (+4.46%) Land $25,000 Building $209,200
2023	$2,552.00	$224,200 Land $25,000 Building $199,200	$224,200 Land $25,000 Building $199,200

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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