2704 12th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2704 12th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Rural Home
Details	1 bd · 1 ba · 25,344 sqft · built 1983
Lot Size	40.9 acres (1,784,218 sqft)
Owner	Company Name on File
Last Sale	$385,999 (Oct 2008)
Tax Bill	$13,354 (2025)
Deeds & Mortgages	Dec 2025 Line of Credit Oct 2023 Line of Credit + 4 more
Flood Zone	Zone X (minimal risk)
APN	`25-005-2300`

Property Details

APN / Parcel Number

Primary APN	`25-005-2300`
Alternative APNs	`25-00005-2300` `16726`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	25,344 sqft Living Area
1st Floor Area	1,508 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	1,784,218 sqft (40.9 acres)
Garage Type	Detached
Garage Area	2,880 sqft

Exterior Amenities

Porch	Open Porch
Porch Area	220 sqft
Storage Building	25,344 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	2704 12TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-9415
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	SW 1-4 OF NW 1-4.
Legal Range	30W
Legal Township	35N
Legal Section	05
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	30301

Owner

2704 12th St SE, a rural home, is owned by a company that acquired it in March 2011.

Source: Sherburne County records, as of August 4, 2026

Owner of Record	Company Name on File
Mailing Address	1101 HIGHWAY 10 S, SAINT CLOUD, MN 56304-1813
Owner Type	Company
Vesting	Company

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
Dec 2, 2025	Deed of Trust, Mortgage · Line of Credit PINE COUNTRY BANK
Oct 17, 2023	Deed of Trust, Mortgage · Line of Credit PINE COUNTRY BANK
Nov 28, 2022	Deed of Trust, Mortgage · Line of Credit PINE COUNTRY BANK
Sep 3, 2020	Deed of Trust, Mortgage · Commercial Mortgage SENTRY BANK
May 30, 2018	Deed of Trust, Mortgage · Line of Credit SENTRY BK
Dec 21, 2017	Warranty Deed, Transfer · Line of Credit PINE CNTRY BK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 2, 2008 · Amount on File
Deed Sale	Oct 2, 2008 · Amount on File
Deed Document Number	200877674
Last Transfer Date	Mar 1, 2011
Transfer Doc	0000728240
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2704 12TH ST SE, SAINT CLOUD, MN 56304-9415
Transaction Type	Mortgage
Record Updated	Dec 17, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 HIGHWAY 10 S, SAINT CLOUD, MN 56304-1813

Mortgage

Document Number	0000991259
Date	Dec 2, 2025
Instrument	991259

Lender

Name	PINE COUNTRY BANK
Type	Bank
Address	RICE, MN 56367

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Dec 1, 2026

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2704 12TH ST SE, SAINT CLOUD, MN 56304-9415
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1101 HIGHWAY 10 S, SAINT CLOUD, MN 56304-1813

Mortgage

Document Number	0000962809
Date	Oct 17, 2023
Instrument	962809

Lender

Name	PINE COUNTRY BANK
Type	Bank
Address	RICE, MN 56367

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Oct 1, 2024

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2704 12TH ST SE, SAINT CLOUD, MN 56304-9415
Transaction Type	Mortgage
Record Updated	Jul 31, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000951344
Date	Nov 28, 2022
Instrument	951344

Lender

Name	PINE COUNTRY BANK
Type	Bank
Address	RICE, MN 56367

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Oct 1, 2023

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2704 12TH ST SE, SAINT CLOUD, MN 56304-9415
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000899433
Date	Sep 3, 2020
Instrument	899433

Lender

Name	SENTRY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount on Record

Interest

Rate Type	Fixed Rate

May 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2704 12TH ST SE, SAINT CLOUD, MN 56304-9415
Document Number	0000856739
Instrument Date	May 30, 2018
Transaction Type	Mortgage
Record Updated	Jun 11, 2018
Title Company	TRI-COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	2704 12TH ST SE ST CLOUD MN 563049415, ST CLOUD, MN 56304-9415

Mortgage

Document Number	0000856739
Date	May 30, 2018
Instrument	856739

Lender

Name	SENTRY BK
Type	Bank
Address	ST JOSEPH, MN 56374

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	May 29, 2023

Interest

Rate Type	Adjustable Rate

December 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Dec 21, 2017
Property Address	2704 12TH ST SE, SAINT CLOUD, MN 56304-9415
Document Number	0000849900
Instrument Date	Dec 14, 2017
Instrument	849900
Transaction Type	Transfer
Record Updated	Jan 5, 2018
Title Company	TRI-COUNTY ABSTRACT

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$759.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	1101 HIGHWAY 10 S ST CLOUD MN 563041813, ST CLOUD, MN 56304-1813

Mortgage

Document Number	849901
Date	Dec 21, 2017
Instrument	849901

Lender

Name	PINE CNTRY BK
Type	Bank
Address	RICE, MN 56367

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	36 Months
Due	Dec 20, 2020

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 2704 12th St SE was $13,354.

Source: Sherburne County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$548,700 (-1.12%) Building $548,700	$548,700 (-1.12%) Building $548,700
2025	$13,354.00	$554,900 Building $554,900	$554,900 Building $554,900
2023	$13,318.00	$562,900 Land $7,000 Building $555,900
2021			$562,900 Land $7,000 Building $555,900

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

Flood

FEMA maps place 2704 12th St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 2704 12th St SE is moderate, ranking above 62% of the US, with a 0.1% annual chance of wildfire.

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

Wildfire Risk	Moderate above 62% of the US · above 85% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile.

Nearby Properties on 12th St SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures