2912 14th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 2912 14th St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,032 sqft · built 1974
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$180,000 (Nov 2021)
Tax Bill	$4,650 (2026)
Deeds & Mortgages	Aug 2026 Mortgage Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-48293-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48293-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,032 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Width	60 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2912 14TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-1602
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD4
Legal Description	LOT 002 BLK 001 MADISON PARK 2ND ADD SECTION 03 TOWNSHIP 124 RANGE 028 SECTION 03 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	03
Legal Subdivision	MADISON PARK 2ND ADD
Legal Block	1
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3010
Census Tract	901

Owner

2912 14th St N is owned and occupied by an individual who bought it in November 2021.

Source: Stearns County records, as of July 30, 2026

Owner of Record	Individual Name on File
Mailing Address	2912 14TH ST N, SAINT CLOUD, MN 56303-1602
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.

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Deed of Trust, Mortgage · FHA Mortgage SERVICELINK
Nov 5, 2021	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 5, 2021 · Amount on File
Deed Sale	Nov 5, 2021 · Amount on File
Deed Document Number	20211618848
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Aug 12, 2026
Property Address	2912 14TH ST N, SAINT CLOUD, MN 56303-1602
Document Number	0001718971
Instrument Date	Jul 8, 2026
Instrument	20261718971
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 14TH ST N, SAINT CLOUD, MN 56303-1602

Mortgage

Document Number	0001718971,
Date	Aug 12, 2026
Instrument	20261718971

Lender

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	303 Months
Due	Nov 1, 2051

Interest

Max Rate	-1%

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 5, 2021
Property Address	2912 14TH ST N, SAINT CLOUD, MN 56303-1602
Document Number	00A1618848
Instrument Date	Oct 21, 2021
Instrument	A1618848
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
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	2912 14TH ST N, SAINT CLOUD, MN 56303-1602

Tax Assessment & Valuation

The 2026 property tax bill for 2912 14th St N was $4,650.

Source: Stearns County assessment roll, as of July 30, 2026

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	$4,650.00	$208,700 (-) Land $40,000 Building $168,700	$208,700 (-) Land $40,000 Building $168,700
2025		$208,700 Land $40,000 Building $168,700	$208,700 Land $40,000 Building $168,700
2023	$2,234.00	$193,400 Land $40,000 Building $153,400	$193,400 Land $40,000 Building $153,400

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 2912 14th St N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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

The area around 2912 14th St N has no burnable land within ember reach, so its wildfire risk is not rated.

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 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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