2604 15th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 2604 15th St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,314 sqft · built 1988
Lot Size	0.06 acres (2,614 sqft)
Owner	Individual Name on File
Last Sale	$179,900 (Jul 2020)
Tax Bill	$2,732 (2026)
Deeds & Mortgages	Apr 2026 Sale Aug 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-51360-0014`

Property Details

APN / Parcel Number

Primary APN	`82-51360-0014`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,314 sqft Living Area

Exterior

Year Built	Built 1988
Effective Year Built	Effective 1988
Lot Area	2,614 sqft (0.06 acres)
Lot Width	40 ft Width
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2604 15TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-1616
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD2
Legal Description	LOT 014 BLK 001 SUNRIDGE PATIO HOMES SECTION 03 TOWNSHIP 124 RANGE 028 SECTION 03 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	03
Legal Subdivision	SUNRIDGE PATIO HOMES
Legal Block	1
Legal Lot Number	14
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3007
Census Tract	901

Owner

2604 15th St N is owned and occupied by an individual who bought it in July 2020.

Source: Stearns County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	2604 15TH ST N, SAINT CLOUD, MN 56303-1616
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Apr 10, 2026	Warranty Deed, Transfer PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY
Aug 23, 2021	Deed, Transfer
Jul 30, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 30, 2020 · Amount on File
Deed Sale	Jul 30, 2020 · Amount on File
Deed Document Number	20201575782
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 10, 2026
Property Address	2604 15TH ST N, SAINT CLOUD, MN 56303-1616
Document Number	0001711150
Instrument Date	Mar 31, 2026
Instrument	20261711150
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	PAN AMERICAN TITLE COMPANY, ALL AMERICAN TITLE COMPANY

Transaction

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
Relationship	Tenants in Common
Address	2604 15TH ST N, SAINT CLOUD, MN 56303-1616

August 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 23, 2021
Property Address	2604 15TH ST N, SAINT CLOUD, MN 56303-1616
Document Number	00A1611986
Instrument Date	Aug 19, 2021
Instrument	A1611986
Transaction Type	Transfer
Record Updated	Nov 15, 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

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 30, 2020
Property Address	2604 15TH ST N, SAINT CLOUD, MN 56303-1616
Document Number	00A1575782
Instrument Date	Jul 13, 2020
Instrument	A1575782
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
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	2604 15TH ST N, SAINT CLOUD, MN 56303-1616

Tax Assessment & Valuation

The 2026 property tax bill for 2604 15th St N was $2,732.

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	$2,732.00	$208,500 (-) Land $30,000 Building $178,500	$208,500 (-) Land $30,000 Building $178,500
2025		$208,500 Land $30,000 Building $178,500	$208,500 Land $30,000 Building $178,500
2023	$2,078.00	$192,300 Land $30,000 Building $162,300	$192,300 Land $30,000 Building $162,300

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

Flood

FEMA maps place 2604 15th St N 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 2604 15th St N is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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 443 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

May also be available: CenturyLink.

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