3105 1st St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 3105 1st St S, Saint Cloud, MN 56301

Property Summary

Property Type	Multi-Family Dwellings
Details	3,392 sqft · built 1996
Lot Size	0.232 acres (10,104 sqft)
Owner	Company Name on Record
Last Sale	$800,000 (Apr 2026)
Tax Bill	$13,024 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-50461-0000`

Property Details

APN / Parcel Number

Primary APN	`82-50461-0000`

Interior

Stories	1 Story
Building Area	3,392 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Multi-Family
Lot Area	10,104 sqft (0.232 acres)
Lot Width	80 ft Width

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3105 1ST ST S
City	SAINT CLOUD
State	MN
Zip	56301-3865
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Local Zoning Code	C5
Legal Description	LOTS 14 & 15 BLK 9 ROOSEVELT PLACE ADD SECTION 15 TOWNSHIP 124 RANGE 028 ROOSEVELT PLACE ADD SECTION 15 TOWNSHIP 124 RANGE
Legal Range	28W
Legal Township	124
Legal Section	15
Legal Subdivision	ROOSEVELT PLACE ADD
Legal Block	9
Legal Lot Number	14-15
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2056
Census Tract	601

Owner

Source: Stearns County records, as of August 24, 2026

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

Owner of Record	Company Name on Record
Mailing Address	3 WESCOTT LN, SOUTH BARRINGTON, IL 60010-7109
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 27, 2026	Warranty Deed, Transfer · Conventional Mortgage UNION BANK & TRUST CO
Dec 1, 2023	Warranty Deed, Transfer ARDEN TITLE LLC
Aug 26, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 27, 2026 · Amount on Record
Deed Sale	Apr 27, 2026 · Amount on Record
Prior Sale	Nov 17, 2023 · Amount on Record
Deed Document Number	20261712022
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 27, 2026
Property Address	3105 1ST ST S, SAINT CLOUD, MN 56301-3865
Document Number	0001712022
Instrument Date	Apr 24, 2026
Instrument	2026.1712022
Transaction Type	Transfer
Record Updated	May 13, 2026
Title Company	TITLE STREAM, TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$266,640.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	3 WESCOTT LN, SOUTH BARRINGTON, IL 60010-7109

Mortgage

Document Number	0001712023,
Date	Apr 27, 2026
Instrument	2026.1712023

Lender

Name	UNION BANK & TRUST CO

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 20, 2056

Interest

Rate Type	Fixed Rate
Rate	6.11%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001712025,
Date	Apr 27, 2026
Instrument	2026.1712025

Lender

Agreement

Amount	Amount Recorded
Term	1 Months
Due	Apr 24, 2027

Interest

Rate	6.11%
Max Rate	-1%

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 1, 2023
Property Address	3105 1ST ST S, SAINT CLOUD, MN 56301-3865
Document Number	00A1664221
Instrument Date	Nov 17, 2023
Instrument	A1664221
Transaction Type	Transfer
Record Updated	Dec 25, 2023
Title Company	ARDEN TITLE LLC

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
Address	117 5TH AVE S, SAINT CLOUD, MN 56301-3642

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 26, 2022
Property Address	3105 1ST ST S, SAINT CLOUD, MN 56301-3865
Document Number	00A1639447
Instrument Date	Aug 18, 2022
Instrument	A1639447
Transaction Type	Transfer
Record Updated	Sep 28, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3105 1ST ST S, SAINT CLOUD, MN 56301-3865

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$13,024.00 (+56.76%)	$435,000 (-) Land $100,000 Building $335,000	$435,000 (-) Land $100,000 Building $335,000
2025		$435,000 (+18.72%) Land $100,000 Building $335,000	$435,000 (+18.72%) Land $100,000 Building $335,000
2023	$8,308.00	$366,400 Land $100,000 Building $266,400	$366,400 Land $100,000 Building $266,400

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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 98% of the US · lower than 92% of Minnesota
Wildfire Likelihood	Under 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 282 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: Arvig, CenturyLink, T-Mobile.

Nearby Properties on 1st St S

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures