3103 7th St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 3103 7th St N, Saint Cloud, MN 56303 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,120 sqft · built 1955
Lot Size	0.37 acres (16,117 sqft)
Owner	2 Company Names on File
Last Sale	$202,500 (Oct 2025)
Tax Bill	$2,658 (2026)
Deeds & Mortgages	Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-45686-0000`

Property Details

APN / Parcel Number

Primary APN	`82-45686-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,120 sqft Living Area
1st Floor Area	940 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	16,117 sqft (0.37 acres)
Lot Width	150 ft Width
Garage Area	1,880 sqft
Parking Spaces	7 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	3103 7TH ST N
City	SAINT CLOUD
State	MN
Zip	56303-3135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 12,13,14,& 15 & S2 OF VAC ALLEY ADJ TO SD LOTS BLK 44 CENTRAL PARK ADD SECTION 10 TOWNSHIP 124 RANGE 028 CENTRAL PARK
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTRAL PARK ADD
Legal Block	44
Legal Lot Number	12-14
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3028
Census Tract	701

Owner

Source: Stearns County records · APN 82-45686-0000

Assessment roll updated November 6, 2025 · Last verified April 2026

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

Owner of Record	2 Company Names on File
Mailing Address	3103 7TH ST N, SAINT CLOUD, MN 56303-3135
Owner Type	Company
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 07, 2025 · Amount on Record
Deed Sale	Oct 07, 2025 · Amount on Record
Prior Sale	Jan 19, 2018 · Amount on Record
Deed Document Number	20251701002
Record Updated	Jun 08, 2026

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 19, 2018
Property Address	3103 7TH ST N, SAINT CLOUD, MN 56303-3135
Document Number	00A1513331
Instrument Date	Jan 16, 2018
Instrument	A1513331
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4140 6TH ST S, SAINT CLOUD, MN 56301-8514

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$2,658.00 (-26.13%)
2025		$203,900 (+6.31%) Land $40,000 Building $163,900	$203,900 (+6.31%) Land $40,000 Building $163,900
2023	$3,598.00	$191,800 Land $40,000 Building $151,800	$191,800 Land $40,000 Building $151,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450007013, refreshed September 2026 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2018–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026, rainfall accumulation

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 555 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
BIF IV Intrepid HoldCo	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Consolidated Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.