304 Birch Dr SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 304 Birch Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.344 acres (14,996 sqft)
Owner	Individual Name on Record
Tax Bill	$262 (2026)
Deeds & Mortgages	Feb 2024 Mortgage Oct 2023 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17.01182.00`

Property Details

APN / Parcel Number

Primary APN	`17.01182.00`

Exterior

Lot Area	14,996 sqft (0.344 acres)

Location & Zoning

Street Address	304 BIRCH DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1313
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS 2ND ADDN LOT-009 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	1
Legal Lot Number	9
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3005
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
Feb 1, 2024	Deed of Trust, Mortgage · VA Mortgage NEW AMERICAN FUNDING
Oct 31, 2023	Intrafamily Transfer, Transfer
Feb 14, 2023	Intrafamily Transfer, Transfer
Jan 27, 2023	Warranty Deed, Transfer · VA Mortgage BROKER SOLUTIONS INC
Jan 27, 2023	Affidavit of Death of Joint Tenant, Transfer BURNETT TITLE, BURNET TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 15, 2024
Deed Sale	Nov 15, 2024
Prior Sale	Oct 31, 2023 · Amount on Record
Deed Document Number	2024474524
Prior Transfer Date	Oct 24, 2024
Prior Transfer Doc	0000474524
Record Updated	Sep 20, 2026

February 2024: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313
Transaction Type	Mortgage
Record Updated	Feb 16, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000470285
Date	Feb 1, 2024
Instrument	470285

Lender

Name	NEW AMERICAN FUNDING
Type	Lending Institution
Address	TUSTIN, CA 92780

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2054

October 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Oct 31, 2023
Property Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313
Document Number	0000468974
Instrument Date	Oct 31, 2023
Instrument	468974
Transaction Type	Transfer
Record Updated	Nov 16, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313

February 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Feb 14, 2023
Property Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313
Document Number	0000465034
Instrument Date	Jan 26, 2023
Instrument	465034
Transaction Type	Transfer
Record Updated	Mar 1, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jan 27, 2023
Property Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313
Document Number	0000464808
Instrument Date	Jan 26, 2023
Instrument	464808
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313

Mortgage

Document Number	0000464809
Date	Jan 27, 2023
Instrument	464809

Lender

Name	BROKER SOLUTIONS INC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2053

January 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BENTON MN
Recording Date	Jan 27, 2023
Property Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313
Document Number	0000464807
Instrument Date	Jan 18, 2023
Instrument	464807
Transaction Type	Transfer
Record Updated	Feb 10, 2023
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	304 BIRCH DR SE, SAINT CLOUD, MN 56304-1313

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$262.00 (-89.99%) Homeowner's exemption	$219,700 (-) Land $40,000 Building $179,700	$219,700 (-) Land $40,000 Building $179,700
2023	$2,618.00	$219,700 Land $40,000 Building $179,700	$219,700 Land $40,000 Building $179,700

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 29, 2019

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

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

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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