28 7th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 28 7th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.118 acres (5,145 sqft)
Owner	2 Individual Names on Record
Last Sale	$154,500 (Sep 2025)
Tax Bill	$1,486 (2026)
Deeds & Mortgages	Sep 2025 Sale & Mortgage Apr 2022 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17.00217.00`

Property Details

APN / Parcel Number

Primary APN	`17.00217.00`

Exterior

Lot Area	5,145 sqft (0.118 acres)

Location & Zoning

Street Address	28 7TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-0807
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-016 BLOCK-010 & W 1/2 OF VAC ALLEY
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	10
Legal Lot Number	16
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5022
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 3, 2025	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA
Apr 26, 2022	Warranty Deed, Transfer · Conventional Mortgage GOLDWATER BANK NA
Jan 6, 2022	Contract Sale, Transfer · Land Contract NOT AVAILABLE
Nov 2, 2021	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 3, 2025 · Amount on Record
Deed Sale	Sep 3, 2025 · Amount on Record
Prior Sale	Apr 26, 2022 · Amount on Record
Deed Document Number	2025479199
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 3, 2025
Property Address	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807
Document Number	0000479199
Instrument Date	Aug 15, 2025
Instrument	479199
Transaction Type	Transfer
Record Updated	Sep 25, 2025
Title Company	THE TITLE GROUP INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$509.85
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	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807

Mortgage

Document Number	0000479200
Date	Sep 3, 2025
Instrument	479200

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2055

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 26, 2022
Property Address	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807
Document Number	0000460194
Instrument Date	Apr 22, 2022
Instrument	460194
Transaction Type	Transfer
Record Updated	May 17, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807

Mortgage

Document Number	0000460195
Date	Apr 26, 2022
Instrument	460195

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

April 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 26, 2022
Property Address	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807
Document Number	0000460193
Instrument Date	Apr 19, 2022
Instrument	460193
Transaction Type	Transfer
Record Updated	Jul 10, 2025
Title Company	ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Tax	$247.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 232, FOLEY, MN 56329-0232

Mortgage

Document Number	0000460195
Date	Apr 26, 2022
Instrument	460195

Lender

Name	GOLDWATER BANK NA
Type	Bank
Address	PHOENIX, AZ 85016

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2052

January 2022: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	BENTON MN
Recording Date	Jan 6, 2022
Property Address	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807
Document Number	0000457987
Instrument Date	Dec 28, 2021
Instrument	457987
Transaction Type	Transfer
Record Updated	Feb 21, 2022

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV 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	PO BOX 232, FOLEY, MN 56329-0232

Mortgage

Date	Jan 6, 2022

Lender

Name	NOT AVAILABLE

Agreement

Type	Land Contract
Amount	Amount Recorded

November 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Nov 2, 2021
Property Address	28 7TH AVE SE, SAINT CLOUD, MN 56304-0807
Document Number	456480
Instrument Date	Nov 1, 2021
Instrument	456480
Transaction Type	Transfer
Record Updated	Nov 30, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	11983 DEAN DR, PRINCETON, MN 55371-6219

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$1,486.00 (+14.48%) Homeowner's exemption	$142,600 (+12.02%) Land $25,000 Building $117,600	$142,600 (+12.02%) Land $25,000 Building $117,600
2025	$1,298.00 (+30.06%)	$127,300 (+1.6%) Land $25,000 Building $102,300	$127,300 (+1.6%) Land $25,000 Building $102,300
2023	$998.00	$125,300 Land $25,000 Building $100,300	$125,300 Land $25,000 Building $100,300

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 July 29, 2019

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	Not rated no burnable land within 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink.

Nearby Properties on 7th Ave SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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