Sherburne County property record for 3100 45th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,268 sqft · built 1994 |
| Lot Size | 10 acres (438,214 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $237,500 (Aug 2004) |
| Tax Bill | $4,624 (2025) |
| Deeds & Mortgages | Jan 2020 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-016-1401 |
| Primary APN | 25-016-1401 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Building Area | 1,268 sqft Living Area |
| 1st Floor Area | 1,268 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1994 |
|---|---|
| Effective Year Built | Effective 1994 |
| Architectural Style | Split Foyer |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 438,214 sqft (10 acres) |
| Garage Type | Attached |
| Garage Area | 788 sqft |
| Driveway | Driveway |
| Pool Type | Spa / Hot Tub (No Pool) |
|---|---|
| Porch | Open Porch |
| Porch Area | 39 sqft |
| Deck Area | 144 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Street Address | 3100 45TH AVE SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-9736 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | N 662 FT OF E 662 FT OF SE 1-4 OF NE 1-4. SUBJ TO EASEMENT DESC AS PARCEL 2 SHERB CTY ROW PLAT 76 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 16 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1030 |
| Census Tract | 30301 |
Source: Sherburne County records, as of August 4, 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 | 3100 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Et Al (and Others) |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 18, 2004 · Amount on Record |
| Deed Sale | Aug 18, 2004 · Amount on Record |
| Deed Document Number | 200465648 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 3100 45TH AVE SE, SAINT CLOUD, MN 56304-9736 |
| Transaction Type | Mortgage |
| Record Updated | Oct 10, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000885976 |
|---|---|
| Date | Jan 28, 2020 |
| Instrument | 885976 |
| Name | AFFINITY PLUS FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Dec 20, 2034 |
| Rate Type | Fixed Rate |
|---|
Source: Sherburne County assessment roll, as of August 4, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $441,900 (+388.83%) Land $198,900 Building $243,000 | $441,900 (+388.83%) Land $198,900 Building $243,000 | |
| 2025 | $4,624.00 (+10.36%) | $90,400 (-9.24%) Building $90,400 | $90,400 (-9.24%) Building $90,400 |
| 2023 | $4,190.00 | $99,600 Land $7,000 Building $92,600 | |
| 2021 | $99,600 Land $7,000 Building $92,600 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Indirect within ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Arvig Fiber | 1,000 / 500 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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