2709 18th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2709 18th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$332,000 (Aug 2021)
Tax Bill	$4,588 (2025)
Deeds & Mortgages	Aug 2021 Sale & Mortgage Aug 2019 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-441-0115`

Property Details

APN / Parcel Number

Primary APN	`85-441-0115`
Alternative APNs	`85-00441-0115` `43278`

Exterior

Lot Area	13,939 sqft (0.32 acres)

Location & Zoning

Account Number	43278
Street Address	2709 18TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-7402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 1
Legal Range	30W
Legal Township	35N
Legal Section	07
Legal Subdivision	STERLING HEIGHTS PLAT FIVE
Legal Block	1
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1000
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	2709 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 10, 2021	Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK
Aug 16, 2019	Deed of Trust, Mortgage · Conventional Mortgage US BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 10, 2021 · Amount on Record
Deed Sale	Aug 10, 2021 · Amount on Record
Prior Sale	Aug 8, 2012 · Amount on Record
Deed Document Number	2021925230
Record Updated	Oct 29, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 10, 2021
Property Address	2709 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Document Number	0000925230
Instrument Date	Aug 5, 2021
Instrument	925230
Transaction Type	Transfer
Record Updated	Sep 1, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,095.60
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	2709 18TH AVE SE, SAINT CLOUD, MN 56304-7402

Mortgage

Document Number	0000925231
Date	Aug 10, 2021
Instrument	925231

Lender

Name	WELLS FARGO BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2709 18TH AVE SE, SAINT CLOUD, MN 56304-7402
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000876876
Date	Aug 16, 2019
Instrument	876876

Lender

Name	US BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

Interest

Rate Type	Fixed Rate

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		$328,600 (-) Land $70,000 Building $258,600	$328,600 (-) Land $70,000 Building $258,600
2025	$4,588.00 (+23.87%)	$328,600 (+1.58%) Land $70,000 Building $258,600	$328,600 (+1.58%) Land $70,000 Building $258,600
2023	$3,704.00	$323,500 Land $50,000 Building $273,500
2021			$323,500 Land $50,000 Building $273,500

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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