2704 18th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2704 18th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.32 acres (13,939 sqft)
Owner	Individual Name on File
Last Sale	$220,500 (Apr 2020)
Tax Bill	$3,942 (2025)
Deeds & Mortgages	Apr 2020 Sale & Mortgage Apr 2017 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-441-0210`

Property Details

APN / Parcel Number

Primary APN	`85-441-0210`
Alternative APNs	`85-00441-0210` `43280`

Exterior

Lot Area	13,939 sqft (0.32 acres)

Location & Zoning

Account Number	43280
Street Address	2704 18TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-7402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLK 2
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT FIVE
Legal Block	2
Legal Lot Number	2
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
Census Tract	31500

Owner

2704 18th Ave SE is owned and occupied by an individual who bought it in April 2020.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	2704 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Occupancy	Owner Occupied
Owner Type	Individual

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 14, 2020	Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC
Apr 25, 2017	Grant Deed, Transfer · Conventional with PMI BANKVISTA
Apr 25, 2017	Grant Deed, Transfer STEARNS COUNTY ABSTRACT COMPANY, STEARNS CNTY ABSTRACT CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 14, 2020 · Amount on File
Deed Sale	Apr 14, 2020 · Amount on File
Prior Sale	Apr 26, 2017 · Amount on File
Deed Document Number	2020889754
Record Updated	Oct 29, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 14, 2020
Property Address	2704 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Document Number	0000889754
Instrument Date	Apr 10, 2020
Instrument	889754
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	ABSTRACTS & TITLES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$727.65
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	2704 18TH AVE SE, SAINT CLOUD, MN 56304-7402

Mortgage

Document Number	0000889756
Date	Apr 14, 2020
Instrument	889756

Lender

Name	EVERETT FINANCIAL INC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	May 1, 2030

Interest

Rate Type	Fixed Rate

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 25, 2017
Property Address	2704 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Document Number	0000837545
Instrument Date	Apr 17, 2017
Instrument	837545
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	STEARNS COUNTY ABSTRACT COMPANY, STEARNS CNTY ABSTRACT CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$488.40
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2704 18TH AVE SE ST CLOUD MN 563047402, ST CLOUD, MN 56304-7402

Mortgage

Document Number	837547
Date	Apr 25, 2017
Instrument	837547

Lender

Name	BANKVISTA
Type	Bank
Address	SARTELL, MN 56377

Agreement

Type	Conventional with PMI
Amount	Amount on Record
Term	360 Months
Due	Apr 24, 2047

April 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 25, 2017
Property Address	2704 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Document Number	0000837546
Instrument Date	Apr 17, 2017
Instrument	837546
Transaction Type	Transfer
Record Updated	Jan 9, 2019
Title Company	STEARNS COUNTY ABSTRACT COMPANY, STEARNS CNTY ABSTRACT CO

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	2704 18TH AVE SE ST CLOUD MN 563047402, ST CLOUD, MN 56304-7402

Tax Assessment & Valuation

The 2025 property tax bill for 2704 18th Ave SE was $3,942 with a homeowner's exemption.

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		$287,800 (-) Land $70,000 Building $217,800	$287,800 (-) Land $70,000 Building $217,800
2025	$3,942.00	$287,800 Land $70,000 Building $217,800	$287,800 Land $70,000 Building $217,800
2023	$3,026.00	$277,400 Land $50,000 Building $227,400
2021			$277,400 Land $50,000 Building $227,400

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

Flood

FEMA maps place 2704 18th Ave SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 2704 18th Ave SE is low, with 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 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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