2936 3rd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 2936 3rd St SE, Saint Cloud, MN 56304 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.283 acres (12,349 sqft)
Owner	2 Individual Names on File
Last Sale	$267,000 (Sep 2020)
Tax Bill	$4,168 (2026)
Deeds & Mortgages	Mar 2021 Line of Credit Jun 2020 Line of Credit + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.02393.00`

Property Details

APN / Parcel Number

Primary APN	`17.02393.00`

Exterior

Architectural Style	Multi-Family
Lot Area	12,349 sqft (0.283 acres)

Location & Zoning

Street Address	2936 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-012 BLOCK-003
Legal Range	030
Legal Township	036
Legal Section	32
Legal Subdivision	AYERS MILL POND
Legal Block	3
Legal Lot Number	12
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3002
Census Tract	21201

Owner

Source: Benton County records · APN 17.02393.00

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	2936 3RD ST SE, SAINT CLOUD, MN 56304-5004
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 10, 2021	Deed of Trust, Mortgage · Line of Credit AMERICAN HERITAGE NATIONAL BANK
Jun 08, 2020	Deed of Trust, Mortgage · Line of Credit THE BANK OF ELK RIVER
Sep 16, 2020	Warranty Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL
Jun 21, 2019	Warranty Deed, Transfer RACHEL INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 16, 2020 · Amount on Record
Deed Sale	Sep 16, 2020 · Amount on Record
Prior Sale	Jun 21, 2019 · Amount on Record
Deed Document Number	2020445933
Record Updated	Sep 20, 2026

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2936 3RD ST SE, SAINT CLOUD, MN 56304-5004
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000450423
Date	Mar 10, 2021
Instrument	450423

Lender

Name	AMERICAN HERITAGE NATIONAL BANK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	2936 3RD ST SE, SAINT CLOUD, MN 56304-5004
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000443358
Date	Jun 08, 2020
Instrument	443358

Lender

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

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	6 Months
Due	Dec 05, 2020

September 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 16, 2020
Property Address	2936 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number	0000445933
Instrument Date	Sep 11, 2020
Instrument	445933
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Tax	$881.10
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	2936 3RD ST SE, SAINT CLOUD, MN 56304-5004

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 21, 2019
Property Address	2936 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number	0000436463
Instrument Date	Jun 17, 2019
Instrument	436463
Transaction Type	Transfer
Record Updated	Aug 15, 2022
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	$4,168.00 (+9.45%) Homeowner's exemption	$285,500 (-) Land $70,000 Building $215,500	$285,500 (-) Land $70,000 Building $215,500
2023	$3,808.00	$285,500 Land $45,000 Building $240,500	$285,500 Land $45,000 Building $240,500

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.

Mobile Coverage

5G and 4G LTE

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