2918 16th St Ct S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 2918 16th St Ct S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 976 sqft · built 2003
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on File
Last Sale	$286,000 (Oct 2026)
Tax Bill	$2,960 (2026)
Deeds & Mortgages	Oct 2026 Sale & Mortgage Sep 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-49145-0004`

Property Details

APN / Parcel Number

Primary APN	`82-49145-0004`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	976 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Width	40 ft Width
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	2918 16TH STREET CT S
City	SAINT CLOUD
State	MN
Zip	56301-4973
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD61
Legal Description	LOT 005 BLK 001 OAK GROVE TERRACE SECTION 22 TOWNSHIP 124 RANGE 028 SECTION 22 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	22
Legal Subdivision	OAK GROVE TERRACE
Legal Block	1
Legal Lot Number	5
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1010
Census Tract	401

Owner

2918 16th St Ct S is owned and occupied by two individuals who bought it in October 2026.

Source: Stearns County records, as of October 20, 2026

Owner of Record	2 Individual Names on File
Mailing Address	2918 16TH STREET CT S, SAINT CLOUD, MN 56301-4973
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 2, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION CREDIT UNION
Sep 24, 2026	Quit Claim Deed, Transfer HOME TOWN TITLE LLC, HOME TOWN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 2, 2026 · Amount on File
Deed Sale	Oct 2, 2026 · Amount on File
Prior Sale	Dec 7, 2016 · Amount on File
Deed Document Number	20261722079
Prior Transfer Date	Sep 23, 2026
Prior Transfer Doc	0001721565
Record Updated	Oct 29, 2026

October 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 2, 2026
Property Address	2918 16TH STREET CT S, SAINT CLOUD, MN 56301-4973
Document Number	0001722079
Instrument Date	Sep 30, 2026
Instrument	20261722079
Transaction Type	Transfer
Record Updated	Oct 20, 2026
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$95,323.80
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	2918 16TH STREET CT S, SAINT CLOUD, MN 56301-4973

Mortgage

Document Number	0001722079,
Date	Oct 2, 2026
Instrument	20261722079

Lender

Name	UNION CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2056

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 24, 2026
Property Address	2918 16TH STREET CT S, SAINT CLOUD, MN 56301-4973
Document Number	0001721565
Instrument Date	Sep 23, 2026
Instrument	20261721565
Transaction Type	Transfer
Record Updated	Oct 12, 2026
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Amount	Amount on Record
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	2918 16TH STREET CT S, SAINT CLOUD, MN 56301-4973

Tax Assessment & Valuation

The 2026 property tax bill for 2918 16th St Ct S was $2,960.

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	$2,960.00	$222,600 (-) Land $40,000 Building $182,600	$222,600 (-) Land $40,000 Building $182,600
2025		$222,600 Land $40,000 Building $182,600	$222,600 Land $40,000 Building $182,600
2023	$2,234.00	$206,000 Land $40,000 Building $166,000	$206,000 Land $40,000 Building $166,000

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

Flood

FEMA maps place 2918 16th St Ct S 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

Wildfire risk around 2918 16th St Ct S is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.1% of the US · lower than 96% 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 235 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	1,000 / 1,000
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: Verizon.

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