Sherburne County property record for 2899 105th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,600 sqft · built 1965 |
| Lot Size | 10.1 acres (443,005 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $3,392 (2025) |
| Deeds & Mortgages | Sep 2026 Line of Credit May 2026 Line of Credit + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 40-457-0010 |
| Primary APN | 40-457-0010 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,600 sqft Living Area |
| 1st Floor Area | 1,080 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1965 |
|---|---|
| Effective Year Built | Effective 1965 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Metal |
| Lot Area | 443,005 sqft (10.1 acres) |
| Garage Type | Detached |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 355 sqft |
| Patio Area | 208 sqft |
| Pole Barn | 1,600 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Account Number | 48621 |
|---|---|
| Street Address | 2899 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 | TRACT A SUBJ TO EASEMENT DESC AS PARCEL 1 SHERB CTY ROW PLAT 47 AND PARCEL 5 SHERB CTY ROW PLAT 72 |
| Legal Range | 29W |
| Legal Township | 35N |
| Legal Section | 15 |
| Legal Subdivision | REGISTERED LAND SURVEY NUMBER 48 |
| Legal Tract | A |
| Legal Lot Number | A |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | PALMER |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 30301 |
2899 105th Ave SE is owned and occupied by two individuals who acquired it in February 2026.
Source: Sherburne County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 610 FAIRMONT AVE N, MONTROSE, MN 55363-8615 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Sep 2, 2026 | Deed of Trust, Mortgage · Line of Credit AMERICAN HERITAGE NATIONAL BANK |
| May 6, 2026 | Deed of Trust, Mortgage · Line of Credit AMERICAN HERITAGE BANK |
| Apr 30, 2026 | Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT |
| Mar 6, 2026 | Intrafamily Transfer, Transfer |
| Apr 14, 2022 | Intrafamily Transfer, Transfer |
| Apr 21, 2017 | Grant Deed, Transfer TRI-COUNTY ABSTRACT |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Transfer Date | Feb 26, 2026 |
| Transfer Doc | 0000064539 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Sep 2, 2026 |
| Property Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000065021 |
| Instrument Date | Aug 26, 2026 |
| Instrument | 202665021 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Document Number | 0000065021, |
|---|---|
| Date | Sep 2, 2026 |
| Instrument | 202665021 |
| Name | AMERICAN HERITAGE NATIONAL BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.75% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | May 6, 2026 |
| Property Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000064685 |
| Instrument Date | Apr 21, 2026 |
| Instrument | 202664685 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000064685, |
|---|---|
| Date | May 6, 2026 |
| Instrument | 202664685 |
| Name | AMERICAN HERITAGE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Apr 24, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.1% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Apr 30, 2026 |
| Property Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000064665 |
| Instrument Date | Apr 20, 2026 |
| Instrument | 202664665 |
| Transaction Type | Transfer |
| Record Updated | Aug 28, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Amount | Amount on Record |
|---|---|
| Tax | $166.65 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 610 FAIRMONT AVE N, MONTROSE, MN 55363-8615 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 6, 2026 |
| Property Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000064539 |
| Instrument Date | Feb 26, 2026 |
| Instrument | 64539 |
| Transaction Type | Transfer |
| Record Updated | Mar 19, 2026 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 610 FAIRMONT AVE N, MONTROSE, MN 55363-8615 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Apr 14, 2022 |
| Property Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000060621 |
| Instrument Date | Apr 13, 2022 |
| Instrument | 60621 |
| Transaction Type | Transfer |
| Record Updated | Jun 7, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Apr 21, 2017 |
| Property Address | 2899 105TH AVE SE, SAINT CLOUD, MN 56304-9761 |
| Document Number | 0000837364 |
| Instrument Date | Apr 14, 2017 |
| Instrument | 837364 |
| Transaction Type | Transfer |
| Record Updated | Oct 28, 2019 |
| Title Company | TRI-COUNTY ABSTRACT |
| Amount | Amount on Record |
|---|---|
| Tax | $528.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 2899 105TH AVE SE ST CLOUD MN 563049761, ST CLOUD, MN 56304-9761 |
The 2025 property tax bill for 2899 105th Ave SE was $3,392 with a homeowner's exemption.
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Palmer Township |
| Unified School District | Becker Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $388,500 (+3.21%) Land $197,800 Building $190,700 | $388,500 (+3.21%) Land $197,800 Building $190,700 | |
| 2025 | $3,392.00 | $376,400 Land $186,200 Building $190,200 | $376,400 Land $186,200 Building $190,200 |
| 2023 | $3,092.00 | $363,900 Land $178,700 Building $185,200 | |
| 2021 | $363,900 Land $178,700 Building $185,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 2899 105th Ave SE in Zone X, an area of minimal flood risk.
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 risk around 2899 105th Ave SE is low, with a 0.03% annual chance of 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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 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 |
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