2623 15th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2623 15th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.492 acres (21,449 sqft)
Owner	2 Individual Names on Record
Last Sale	$320,000 (Oct 2020)
Tax Bill	$6,090 (2025)
Deeds & Mortgages	Nov 2017 Mortgage Oct 2020 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85-430-0135`

Property Details

APN / Parcel Number

Primary APN	`85-430-0135`
Alternative APNs	`85-00430-0135` `43194`

Exterior

Lot Area	21,449 sqft (0.492 acres)

Location & Zoning

Account Number	43194
Street Address	2623 15TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-8539
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 7, BLK 1
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS
Legal Block	1
Legal Lot Number	7
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	2623 15TH AVE SE, SAINT CLOUD, MN 56304-8539
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2017	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK
Oct 8, 2020	Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL CO
Apr 5, 2018	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BK/AR SILOAM SPRINGS
Nov 1, 2017	Quit Claim Deed, Transfer ATTORNEY ONLY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 8, 2020 · Amount on Record
Deed Sale	Oct 8, 2020 · Amount on Record
Prior Sale	Nov 17, 2005 · Amount on Record
Deed Document Number	2020902093
Record Updated	Oct 29, 2026

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2623 15TH AVE SE, SAINT CLOUD, MN 56304-8539
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000848016
Date	Nov 13, 2017
Instrument	848016

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Oct 15, 2022

Interest

Rate Type	Fixed Rate

October 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 8, 2020
Property Address	2623 15TH AVE SE, SAINT CLOUD, MN 56304-8539
Document Number	0000902093
Instrument Date	Sep 30, 2020
Instrument	902093
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,056.00
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	2623 15TH AVE SE, SAINT CLOUD, MN 56304-8539
Investor	Possibly a Property Investor

Mortgage

Document Number	0000902094
Date	Oct 8, 2020
Instrument	902094

Lender

Name	CARDINAL FINANCIAL CO

Agreement

Type	FHA Mortgage
Amount	Amount Recorded

April 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2623 15TH AVE SE, SAINT CLOUD, MN 56304-8539
Document Number	0000854513
Instrument Date	Apr 5, 2018
Transaction Type	Mortgage
Record Updated	Apr 20, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust

Mortgage

Document Number	0000854513
Date	Apr 12, 2018
Instrument	854513

Lender

Name	LIBERTY BK/AR SILOAM SPRINGS
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

November 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Nov 1, 2017
Property Address	2623 15TH AVE SE, SAINT CLOUD, MN 56304-8539
Document Number	0000847511
Instrument Date	Oct 2, 2017
Instrument	847511
Transaction Type	Transfer
Record Updated	Dec 5, 2017
Title Company	ATTORNEY ONLY

Transaction

Tax	$0.00
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	2623 15TH AVE SE ST CLOUD MN 563048539, ST CLOUD, MN 56304-8539

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		$423,200 (-) Land $70,000 Building $353,200	$423,200 (-) Land $70,000 Building $353,200
2025	$6,090.00 (+20.45%)	$423,200 (-) Land $70,000 Building $353,200	$423,200 (-) Land $70,000 Building $353,200
2023	$5,056.00	$423,200 Land $60,000 Building $363,200
2021			$423,200 Land $60,000 Building $363,200

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 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 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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