2601 42nd Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2601 42nd Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 992 sqft · built 2005
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$303,000 (Sep 2026)
Tax Bill	$3,622 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-44445-0474`

Property Details

APN / Parcel Number

Primary APN	`82-44445-0474`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Building Area	992 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Width	60 ft Width
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2601 42ND AVE S
City	SAINT CLOUD
State	MN
Zip	56301-5490
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD65
Legal Description	LOT 023 BLK 002 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	2
Legal Lot Number	23
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
Census Tract	401

Owner

2601 42nd Ave S is owned and occupied by two individuals who bought it in September 2026.

Source: Stearns County records, as of October 8, 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	2 Individual Names on File
Mailing Address	2601 42ND AVE S, SAINT CLOUD, MN 56301-5490
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 21, 2026	Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Jul 22, 2022	Warranty Deed, Transfer BURNETT TITLE, BURNET TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 21, 2026 · Amount on File
Deed Sale	Sep 21, 2026 · Amount on File
Prior Sale	Jul 15, 2022 · Amount on File
Deed Document Number	20261721270
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 21, 2026
Property Address	2601 42ND AVE S, SAINT CLOUD, MN 56301-5490
Document Number	0001721270
Instrument Date	Sep 17, 2026
Instrument	20261721270
Transaction Type	Transfer
Record Updated	Oct 8, 2026
Title Company	ANCONA TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$100,989.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2601 42ND AVE S, SAINT CLOUD, MN 56301-5490

Mortgage

Document Number	0001721270,
Date	Sep 21, 2026
Instrument	20261721270

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Date	Sep 21, 2026

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2041

Interest

Max Rate	-1%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 22, 2022
Property Address	2601 42ND AVE S, SAINT CLOUD, MN 56301-5490
Document Number	00A1637254
Instrument Date	Jul 15, 2022
Instrument	A1637254
Transaction Type	Transfer
Record Updated	Aug 24, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
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	2601 42ND AVE S, SAINT CLOUD, MN 56301-5490

Tax Assessment & Valuation

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	$3,622.00 (+33.16%)	$263,600 (-) Land $70,000 Building $193,600	$263,600 (-) Land $70,000 Building $193,600
2025		$263,600 (+6.63%) Land $70,000 Building $193,600	$263,600 (+6.63%) Land $70,000 Building $193,600
2023	$2,720.00	$247,200 Land $40,000 Building $207,200	$247,200 Land $40,000 Building $207,200

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

Flood

FEMA maps place 2601 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 2601 42nd Ave S is low, with a 0.02% annual chance of 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 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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