Benton County property record for 307 2nd Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.289 acres (12,606 sqft) |
| Owner | Individual Name on File |
| Last Sale | $219,000 (Jan 2026) |
| Tax Bill | $2,764 (2026) |
| Deeds & Mortgages | May 2019 Line of Credit Oct 2021 Mortgage + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.00749.00 |
| Primary APN | 17.00749.00 |
|---|
| Lot Area | 12,606 sqft (0.289 acres) |
|---|
| Street Address | 307 2ND AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0301 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-013 BLOCK-005 & LOT 14 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 35 |
| Legal Subdivision | ST CLOUD PARK |
| Legal Block | 5 |
| Legal Lot Number | 13-14 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4007 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.00749.00
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 | Individual Name on File |
|---|---|
| Mailing Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| May 08, 2019 | Deed of Trust, Mortgage · Line of Credit BREMER BANK NA |
| Oct 11, 2021 | Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC |
| Aug 29, 2013 | Deed of Trust, Mortgage · Line of Credit BREMER BANK NA |
| Jan 15, 2026 | Warranty Deed, Transfer · Conventional Mortgage TRUSTONE FINANCIAL CU |
| Apr 06, 2023 | Warranty Deed, Transfer · FHA Mortgage PENNYMAC LOAN SERVICES LLC |
| Jul 05, 2019 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 15, 2026 · Amount on Record |
| Deed Sale | Jan 15, 2026 · Amount on Record |
| Prior Sale | Apr 06, 2023 · Amount on Record |
| Deed Document Number | 2026481479 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000435534 |
|---|---|
| Date | May 08, 2019 |
| Instrument | 435534 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT PAUL, MN 55120 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 359 Months |
| Due | Apr 25, 2049 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Title Company | AMROCK INC |
| Name | Verified Name |
|---|
| Document Number | 0000455949 |
|---|---|
| Date | Oct 11, 2021 |
| Instrument | 455949 |
| Name | ROCKET MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | DETROIT, MI 48226 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2051 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Transaction Type | Mortgage |
| Record Updated | Jan 30, 2026 |
| Name | Verified Name |
|---|
| Document Number | 0000399041 |
|---|---|
| Date | Aug 29, 2013 |
| Instrument | 399041 |
| Name | BREMER BANK NA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, MN 56301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 357 Months |
| Due | May 21, 2043 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jan 15, 2026 |
| Property Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Document Number | 0000481479 |
| Instrument Date | Dec 29, 2025 |
| Instrument | 481479 |
| Transaction Type | Transfer |
| Record Updated | Jan 30, 2026 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $722.70 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Document Number | 0000481480 |
|---|---|
| Date | Jan 15, 2026 |
| Instrument | 481480 |
| Name | TRUSTONE FINANCIAL CU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2056 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Apr 06, 2023 |
| Property Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Document Number | 0000465669 |
| Instrument Date | Mar 31, 2023 |
| Instrument | 465669 |
| Transaction Type | Transfer |
| Record Updated | Apr 28, 2023 |
| Title Company | THE TITLE TEAM |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $679.80 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Document Number | 0000465670 |
|---|---|
| Date | Apr 06, 2023 |
| Instrument | 465670 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 01, 2053 |
| Document Number | 0000465671 |
|---|---|
| Date | Apr 06, 2023 |
| Instrument | 465671 |
| Name | THE HOUSING AND REDEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jul 05, 2019 |
| Property Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Document Number | 0000436813 |
| Instrument Date | Jul 02, 2019 |
| Instrument | 436813 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $550.77 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 307 2ND AVE NE, SAINT CLOUD, MN 56304-0301 |
| Document Number | 0000436814 |
|---|---|
| Date | Jul 05, 2019 |
| Instrument | 436814 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Aug 01, 2049 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
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 | $2,764.00 (+12.18%) Homeowner's exemption | $203,300 (-) Land $30,000 Building $173,300 | $203,300 (-) Land $30,000 Building $173,300 |
| 2025 | $2,464.00 (+5.57%) | $203,300 (-) Land $30,000 Building $173,300 | $203,300 (-) Land $30,000 Building $173,300 |
| 2023 | $2,334.00 | $203,300 Land $30,000 Building $173,300 | $203,300 Land $30,000 Building $173,300 |
Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| 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 are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: BIF IV Intrepid HoldCo.
Based on FCC filings for 327 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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