2846 Aurora Ct, Saint Cloud, MN 56303 Property Records

Stearns County property record for 2846 Aurora Ct, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,996 sqft · built 1987
Lot Size	0.29 acres (12,632 sqft)
Owner	2 Individual Names on Record
Last Sale	$384,900 (May 2026)
Tax Bill	$5,044 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit May 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-49092-0063`

Property Details

APN / Parcel Number

Primary APN	`82-49092-0063`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,996 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1987
Effective Year Built	Effective 1987
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	12,632 sqft (0.29 acres)
Lot Width	46 ft Width
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2846 AURORA CT
City	SAINT CLOUD
State	MN
Zip	56303-1300
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD2
Legal Description	LOT 007 BLK 004 NORTHWAY PLAT 14 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 14
Legal Block	4
Legal Lot Number	7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1037
Census Tract	901

Owner

Source: Stearns County records, as of July 7, 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	2846 AURORA CT, SAINT CLOUD, MN 56303-1300
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 14, 2026	Deed of Trust, Mortgage · Line of Credit DEERWOOD BANK
May 26, 2026	Warranty Deed, Transfer BURNETT TITLE, BURNET TITLE
Jul 6, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 26, 2026 · Amount on Record
Deed Sale	May 26, 2026 · Amount on Record
Prior Sale	Jul 6, 2021 · Amount on Record
Deed Document Number	20261713664
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jul 14, 2026
Property Address	2846 AURORA CT, SAINT CLOUD, MN 56303-1300
Document Number	0001717021
Instrument Date	Jun 30, 2026
Instrument	20261717021
Transaction Type	Mortgage
Record Updated	Jul 31, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	2846 AURORA CT, SAINT CLOUD, MN 56303-1300

Mortgage

Document Number	0001717021,
Date	Jul 14, 2026
Instrument	20261717021

Lender

Name	DEERWOOD BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2046

Interest

Rate	7%
Max Rate	-1%

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 26, 2026
Property Address	2846 AURORA CT, SAINT CLOUD, MN 56303-1300
Document Number	0001713664
Instrument Date	May 20, 2026
Instrument	20261713664
Transaction Type	Transfer
Record Updated	Jun 8, 2026
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Tax	$128,287.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2846 AURORA CT, SAINT CLOUD, MN 56303-1300

July 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 6, 2021
Property Address	2846 AURORA CT, SAINT CLOUD, MN 56303-1300
Document Number	00A1607671
Instrument Date	Jun 29, 2021
Instrument	A1607671
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2846 AURORA CT, SAINT CLOUD, MN 56303-1300

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$5,044.00 (+29.27%)
2025		$351,800 (+8.15%) Land $60,000 Building $291,800	$351,800 (+8.15%) Land $60,000 Building $291,800
2023	$3,902.00	$325,300 Land $60,000 Building $265,300	$325,300 Land $60,000 Building $265,300

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 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	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 4 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 4 claims

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

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.

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 443 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 · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: CenturyLink.

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