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2948 3rd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 2948 3rd St SE, Saint Cloud, MN 56304 · Last verified July 2026

Property Highlights

Property TypeResidential > Single Family > Home
Architecture StyleMultifamily
Lot Size12,597 sqft (0.289 acres)
OccupancyOwner Occupied
Last Sale$241,300 (2020)
Tax Bill$3,880.00 (2026)

Property Details

APN / Parcel Number

Primary APN17.02392.00

Exterior

Architectural StyleMultifamily Style
Lot Area12,597 sqft (0.289 acres)

Location & Zoning

Street Address2948 3RD ST SE
CitySAINT CLOUD
StateMN
Zip56304-5004
Property UsageResidential Property Usage
TypeResidential > Single Family > Home
Legal DescriptionSECT-32 TWP-036 RANGE-030 AYERS MILL POND LOT-011 BLOCK-003
Legal Range030
Legal Township036
Legal Section32
Legal SubdivisionAYERS MILL POND
Legal Block3
Legal Lot Number11
JurisdictionBENTON MN
Minor Civil DivisionST. CLOUD
Census Blockgroup3
Census Block3002
Census Tract21201

Owner

Source: Benton County records · APN 17.02392.00

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 RecordIndividual Name on File
Mailing Address2948 3RD ST SE, SAINT CLOUD, MN 56304-5004
OccupancyOwner Occupied
Owner TypeOwner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

DateDocument
Oct 26, 2020Warranty Deed, Subdivision Related Transfer · Conventional Mortgage
GUARANTEED RATE INC
May 28, 2020Deed, Transfer
FIRST BANK ELK RIVER
Jun 21, 2019Warranty Deed, Transfer
RACHEL INVESTMENTS LLC

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleOct 26, 2020 · Amount on Record
Deed SaleOct 26, 2020 · Amount on Record
Prior SaleMay 28, 2020 · Amount on Record
Deed Doc Number2020446933
Record RefreshedSep 20, 2026

October 2020: Warranty Deed, Subdivision Related Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateOct 26, 2020
Property Address2948 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number0000446933
Instrument DateOct 22, 2020
Instrument446933
Transaction TypeSubdivision Related Transfer
Record UpdatedAug 15, 2022
Title CompanyHOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$796.29
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address2948 3RD ST SE, SAINT CLOUD, MN 56304-5004
InvestorPossibly a Property Investor

Mortgage

Document Number0000446934
DateOct 26, 2020
Instrument446934
Lender
NameGUARANTEED RATE INC
TypeMortgage Company
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term361 Months
DueNov 01, 2050

May 2020: Deed, Transfer

Document TypeDeed
JurisdictionBENTON MN
Recording DateMay 28, 2020
Property Address2948 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number0000443120
Instrument DateMay 15, 2020
Instrument443120
Transaction TypeTransfer
Record UpdatedAug 15, 2022
Title CompanyHOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$825.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address14949 154TH ST, FORESTON, MN 56330-9597
InvestorPossibly a Property Investor

Mortgage

Document Number0000443121
DateMay 28, 2020
Instrument443121
Lender
NameFIRST BANK ELK RIVER
TypeBank
Agreement
AmountAmount Recorded
Term24 Months
DueMay 15, 2022

June 2019: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateJun 21, 2019
Property Address2948 3RD ST SE, SAINT CLOUD, MN 56304-5004
Document Number0000436463
Instrument DateJun 17, 2019
Instrument436463
Transaction TypeTransfer
Record UpdatedAug 15, 2022
Title CompanyHOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$1,485.00
Amount AccuracyRounded Values by County
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address11690 95TH ST NE, OTSEGO, MN 55330-7423
InvestorPossibly a Property Investor

Mortgage

Document Number0000436464
DateJun 21, 2019
Instrument436464
Lender
NameRACHEL INVESTMENTS LLC
TypeNon-Lending Institution
Agreement
AmountAmount Recorded
Term48 Months
DueJun 16, 2023

Tax Assessment & Valuation

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

Property Jurisdictions

TypeName
StateMinnesota
CountyBenton County
MunicipalitySt. Cloud City
Unified School DistrictSt. 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.

YearTax BillAssessed ValueAssessed Market Value
2026$3,880.00 (+20.57%) Homeowner's exemption$269,500 (+4.13%) Land $70,000 Building $199,500$269,500 (+4.13%) Land $70,000 Building $199,500
2023$3,218.00$258,800 Land $45,000 Building $213,800$258,800 Land $45,000 Building $213,800

Flood & Wildfire

2948 3rd St SE is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Moderate risk).

Flood

Source: FEMA National Flood Hazard Layer · Benton County (27009C), updated July 29, 2019

FEMA Flood ZoneZone X
minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard AreaNo

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to HomesModerate
46th percentile of exposed land nationally · 76th in Minnesota
Wildfire LikelihoodModerate — about 1 in 1,220 per year
ExposureDirect
burnable vegetation at the parcel

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

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