2912 3rd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 2912 3rd St SE, Saint Cloud, MN 56304 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.208 acres (9,089 sqft)
Owner	2 Individual Names on File
Last Sale	$359,000 (Mar 2023)
Tax Bill	$4,422 (2026)
Deeds & Mortgages	Oct 2023 Line of Credit Apr 2022 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.02395.00`

Property Details

APN / Parcel Number

Primary APN	`17.02395.00`

Exterior

Architectural Style	Multi-Family
Lot Area	9,089 sqft (0.208 acres)

Location & Zoning

Street Address	2912 3RD ST SE
City	SAINT CLOUD
State	MN
Zip	56304-5004
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-32 TWP-036 RANGE-030 AYERS MILL POND LOT-014 BLOCK-003
Legal Range	030
Legal Township	036
Legal Section	32
Legal Subdivision	AYERS MILL POND
Legal Block	3
Legal Lot Number	14
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	21201

Owner

Source: Benton County records · APN 17.02395.00

Assessment roll updated July 16, 2026 · Last verified July 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 File
Mailing Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2023	Deed of Trust, Mortgage · Line of Credit BREMER BANK NA
Apr 22, 2022	Deed of Trust, Mortgage · Line of Credit THE BANK OF ELK RIVER
Mar 21, 2023	Warranty Deed, Transfer · Conventional Mortgage BREMER BANK NA
Jun 21, 2019	Warranty Deed, Transfer RACHEL INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Mar 21, 2023 · Amount on Record
Deed Sale	Mar 21, 2023 · Amount on Record
Prior Sale	Jun 21, 2019 · Amount on Record
Deed Document Number	2023465471
Record Updated	Sep 20, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004
Transaction Type	Mortgage
Record Updated	Nov 02, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004

Mortgage

Document Number	0000468661
Date	Oct 10, 2023
Instrument	468661

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Sep 28, 2053

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004
Transaction Type	Mortgage
Record Updated	Jul 21, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11690 95TH ST NE, OTSEGO, MN 55330-7423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000460146
Date	Apr 22, 2022
Instrument	460146

Lender

Name	THE BANK OF ELK RIVER
Type	Bank
Address	ELK RIVER, MN 55330

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	12 Months
Due	Apr 22, 2023

March 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 21, 2023
Property Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number	0000465471
Instrument Date	Mar 17, 2023
Instrument	465471
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$1,184.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004

Mortgage

Document Number	0000465472
Date	Mar 21, 2023
Instrument	465472

Lender

Name	BREMER BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 01, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.62%
Type Change Date	Apr 01, 2033
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.6%
Index	1-Year T-Bill
Max Rate	10.6%

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 21, 2019
Property Address	2912 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number	0000436463
Instrument Date	Jun 17, 2019
Instrument	436463
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11690 95TH ST NE, OTSEGO, MN 55330-7423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000436464
Date	Jun 21, 2019
Instrument	436464

Lender

Name	RACHEL INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	48 Months
Due	Jun 16, 2023

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,422.00 (+12.35%) Homeowner's exemption	$301,700 (-) Land $70,000 Building $231,700	$301,700 (-) Land $70,000 Building $231,700
2025	$3,936.00 (+1,425.58%) Homeowner's exemption	$301,700 (-) Land $45,000 Building $256,700	$301,700 (-) Land $45,000 Building $256,700
2023	$258.00	$301,700 Land $45,000 Building $256,700	$301,700 Land $45,000 Building $256,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Benton County (27009C), updated July 29, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Moderate above 46% of the US · above 76% of Minnesota
Wildfire Likelihood	About 1 in 1,220 per year
Exposure	Direct burnable vegetation at the parcel

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 48 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

2912 3rd St SE, Saint Cloud, MN 56304 Property Records

Property Summary

Property Details

APN / Parcel Number

Exterior

Location & Zoning

Owner

Deeds, Mortgages & Sale History

Assessor's Deed Record

October 2023: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

April 2022: Deed of Trust, Mortgage

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

March 2023: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Interest

June 2019: Warranty Deed, Transfer

Transaction

Transferred From (Grantor/Seller)

Transferred To (Grantee/Buyer)

Mortgage

Lender

Agreement

Tax Assessment & Valuation

Property Jurisdictions

Tax Bill & Assessment History

Flood & Wildfire

Flood

Wildfire

Internet Providers

Nearby Properties on 3rd St SE

Nearby Streets

Search Property Records by Address or Parcel Number