2601 16th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2601 16th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.326 acres (14,230 sqft)
Owner	2 Individual Names on Record
Last Sale	$270,000 (May 2020)
Tax Bill	$4,732 (2025)
Deeds & Mortgages	Oct 2022 Line of Credit Jun 2020 Construction Loan + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85-430-0205`

Property Details

APN / Parcel Number

Primary APN	`85-430-0205`
Alternative APNs	`85-00430-0205` `43196`

Exterior

Lot Area	14,230 sqft (0.326 acres)

Location & Zoning

Account Number	43196
Street Address	2601 16TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-8537
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK 2
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS
Legal Block	2
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	31500

Owner

Source: Sherburne County records, as of September 15, 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	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 25, 2022	Deed of Trust, Mortgage · Line of Credit KENSINGTON BANK
Jun 17, 2020	Deed of Trust, Mortgage · Construction Mortgage KENSINGTON BANK
Feb 15, 2018	Deed, Transfer · Conventional Mortgage GREAT RIVER FCU
Feb 15, 2018	Affidavit of Death, Transfer TRI-COUNTY ABSTRACT

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 15, 2020 · Amount on Record
Deed Sale	May 15, 2020 · Amount on Record
Prior Sale	Feb 15, 2018 · Amount on Record
Deed Document Number	2020891582
Prior Transfer Date	Feb 9, 2018
Prior Transfer Doc	0000852153
Record Updated	Oct 29, 2026

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537
Transaction Type	Mortgage
Record Updated	Nov 2, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537

Mortgage

Document Number	0000950022
Date	Oct 25, 2022
Instrument	950022

Lender

Name	KENSINGTON BANK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 19, 2027

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000893677
Date	Jun 17, 2020
Instrument	893677

Lender

Name	KENSINGTON BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Jul 1, 2040

Interest

Rate Type	Fixed Rate

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 15, 2018
Property Address	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537
Document Number	0000852154
Instrument Date	Feb 9, 2018
Instrument	852154
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537

Mortgage

Document Number	0000852155
Date	Feb 15, 2018
Instrument	852155

Lender

Name	GREAT RIVER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

February 2018: Affidavit of Death, Transfer

Document Type	Affidavit of Death
Jurisdiction	SHERBURNE MN
Recording Date	Feb 15, 2018
Property Address	2601 16TH AVE SE, SAINT CLOUD, MN 56304-8537
Document Number	0000852153
Instrument Date	Feb 9, 2018
Instrument	852153
Transaction Type	Transfer
Record Updated	Feb 23, 2018
Title Company	TRI-COUNTY ABSTRACT

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

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
2026		$337,700 (-) Land $70,000 Building $267,700	$337,700 (-) Land $70,000 Building $267,700
2025	$4,732.00 (+17.65%)	$337,700 (-) Land $70,000 Building $267,700	$337,700 (-) Land $70,000 Building $267,700
2023	$4,022.00	$337,700 Land $55,000 Building $282,700
2021			$337,700 Land $55,000 Building $282,700

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	0.01% 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 129 locations within half a mile, as of December 31, 2025

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

May also be available: Verizon.

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