2881 105th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 2881 105th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,429 sqft · built 1994
Lot Size	9.56 acres (416,434 sqft)
Owner	2 Individual Names on Record
Last Sale	$202,500 (Oct 2009)
Tax Bill	$4,270 (2025)
Deeds & Mortgages	Dec 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-015-2201`

Property Details

APN / Parcel Number

Primary APN	`40-015-2201`
Alternative APNs	`40-00015-2201` `22832`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	4 Stories
Building Area	1,429 sqft Living Area
1st Floor Area	1,429 sqft
Basement Area	1,056 sqft
Finished Basement	1,056 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1994
Effective Year Built	Effective 1994
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	416,434 sqft (9.56 acres)
Garage Type	Mixed
Garage Area	576 sqft
Driveway	Driveway
Deck Area	200 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	None
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	22832
Street Address	2881 105TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9761
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	THAT PART OF NW 1/4 OF NW 1/4 LYING WLY & NLY OF FOLL DESC LINE: COMM AT NW CORNER OF NW 1/4 OF NW 1/4;THENCE E ON & ALONG N
Legal Range	29W
Legal Township	35N
Legal Section	15
Jurisdiction	SHERBURNE MN
Township / Civil Division	PALMER
Census Block Group	3
Census Block	3016
Census Tract	30301

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	2881 105TH AVE SE, SAINT CLOUD, MN 56304-9761
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 1, 2009 · Amount on Record
Deed Sale	Oct 1, 2009 · Amount on Record
Deed Document Number	200979310
Record Updated	Oct 29, 2026

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	2881 105TH AVE SE, SAINT CLOUD, MN 56304-9761
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000849421
Date	Dec 12, 2017
Instrument	849421

Lender

Name	WATERSTONE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 1, 2033

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
County Subdivision	Palmer Township
Unified School District	Becker Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$474,600 (+2.35%) Land $189,900 Building $284,700	$474,600 (+2.35%) Land $189,900 Building $284,700
2025	$4,270.00 (+10.45%)	$463,700 (+5.96%) Land $179,400 Building $284,300	$463,700 (+5.96%) Land $179,400 Building $284,300
2023	$3,866.00	$437,600 Land $172,200 Building $265,400
2021			$437,600 Land $172,200 Building $265,400

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 · 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	8 in force

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 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 15 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Fiber	5,000 / 5,000
Arvig Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20