Stearns County property record for 3109 Golf Ter, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3.5 ba · 4,106 sqft · built 2004 |
| Lot Size | 0.52 acres (22,651 sqft) |
| Owner | Company Name on Record |
| Last Sale | $570,000 (Aug 2014) |
| Tax Bill | $10,758 (2026) |
| Deeds & Mortgages | May 2018 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-46279-0109 |
| Primary APN | 82-46279-0109 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 7 Rooms |
| Stories | 2 Stories |
| Building Area | 4,106 sqft Living Area |
| 1st Floor Area | 3,108 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2004 |
|---|---|
| Effective Year Built | Effective 2004 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 22,651 sqft (0.52 acres) |
| Lot Width | 88 ft Width |
| Garage Area | 952 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 3109 GOLF TER |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-9637 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 010 BLK 001 COUNTRY CLUB ESTATES TWO SECTION 25 TOWNSHIP 124 RANGE 028 SECTION 25 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 25 |
| Legal Subdivision | COUNTRY CLUB ESTATES TWO |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 304 |
Source: Stearns County records, as of July 30, 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 | 3109 GOLF TER, SAINT CLOUD, MN 56301-9637 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 19, 2014 · Amount on Record |
| Deed Sale | Aug 19, 2014 · Amount on Record |
| Deed Document Number | 2014251528 |
| Last Transfer Date | Apr 27, 2018 |
| Transfer Doc | 00A1519420 |
| Record Updated | Sep 20, 2026 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | May 2, 2018 |
| Property Address | 3109 GOLF TER, SAINT CLOUD, MN 56301-9637 |
| Document Number | 00A1519420 |
| Instrument Date | Apr 27, 2018 |
| Instrument | A1519420 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3109 GOLF TER, SAINT CLOUD, MN 56301-9637 |
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,758.00 (+19.37%) | $695,200 (+1.79%) Land $75,000 Building $620,200 | $695,200 (+1.79%) Land $75,000 Building $620,200 |
| 2025 | $683,000 (-) Land $75,000 Building $608,000 | $683,000 (-) Land $75,000 Building $608,000 | |
| 2023 | $9,012.00 | $683,000 Land $75,000 Building $608,000 | $683,000 Land $75,000 Building $608,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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 | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 118 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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