Stearns County property record for 2825 Stearns Way, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,144 sqft · built 1987 |
| Lot Size | 0.22 acres (9,583 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $5,158 (2026) |
| Deeds & Mortgages | Sep 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-49086-0010 |
| Primary APN | 82-49086-0010 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Building Area | 1,144 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 9,583 sqft (0.22 acres) |
| Lot Width | 75 ft Width |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 2825 STEARNS WAY |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-1374 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | PUD2 |
| Legal Description | LOT 003 BLK 003 NORTHWAY PLAT 08 SECTION 03 TOWNSHIP 124 RANGE 028 SECTION 03 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 03 |
| Legal Subdivision | NORTHWAY PLAT 08 |
| Legal Block | 3 |
| Legal Lot Number | 3 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1037 |
| Census Tract | 901 |
2825 Stearns Way is owned and occupied by an individual.
Source: Stearns County records, as of October 19, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 2825 STEARNS WAY, SAINT CLOUD, MN 56303-1374 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 23, 2026 |
| Property Address | 2825 STEARNS WAY, SAINT CLOUD, MN 56303-1374 |
| Document Number | 0001721438 |
| Instrument Date | Aug 7, 2026 |
| Instrument | 20261721438 |
| Transaction Type | Mortgage |
| Record Updated | Oct 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2825 STEARNS WAY, SAINT CLOUD, MN 56303-1374 |
| Document Number | 0001721438, |
|---|---|
| Date | Sep 23, 2026 |
| Instrument | 20261721438 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 479 Months |
| Due | Aug 1, 2066 |
| Max Rate | -1% |
|---|
The 2026 property tax bill for 2825 Stearns Way was $5,158.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,158.00 | $264,500 (-) Land $50,000 Building $214,500 | $264,500 (-) Land $50,000 Building $214,500 |
| 2025 | $264,500 Land $50,000 Building $214,500 | $264,500 Land $50,000 Building $214,500 | |
| 2023 | $4,856.00 | $236,500 Land $50,000 Building $186,500 | $236,500 Land $50,000 Building $186,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2825 Stearns Way in Zone X, an area of minimal flood risk, though there have been 8 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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 | 3 in force |
| Nearby Flood Claims | 8 (1997–2001) |
| Claims Outside the SFHA | 6 of 8 |
| Most Recent Claim | Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes |
| Claims by Event |
|
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 risk around 2825 Stearns Way is low, with less than 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 99.8% of the US · lower than 99.4% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 286 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Intrepid Fiber Networks Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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