3113 Joyce St, Saint Cloud, MN 56303 Property Records

Stearns County property record for 3113 Joyce St, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 3.5 ba · 1,735 sqft · built 1974
Lot Size	0.9 acres (39,204 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jun 2021)
Tax Bill	$5,722 (2026)
Deeds & Mortgages	Jun 2021 Sale
Flood Zone	Zone X (moderate risk)
APN	`82-51538-0553`

Property Details

APN / Parcel Number

Primary APN	`82-51538-0553`

Interior

Bedrooms	3 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Stories	4 Stories
Building Area	1,735 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1974
Effective Year Built	Effective 1974
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Lot Width	200 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3113 JOYCE ST
City	SAINT CLOUD
State	MN
Zip	56303-0430
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 7 AND 8 BLK 3 OLD # 30.20331.000 TILDEN WOODS SECTION 03 TOWNSHIP 124 RANGE 028 TILDEN WOODS SECTION 03 TOWNSHIP 124
Legal Range	28W
Legal Township	124
Legal Section	03
Legal Subdivision	TILDEN WOODS
Legal Block	3
Legal Lot Number	7-8
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	901

Owner

Source: Stearns County records · APN 82-51538-0553

Assessment roll updated July 30, 2026 · Last verified August 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	3113 JOYCE ST, SAINT CLOUD, MN 56303-0430
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 14, 2021 · Amount on Record
Deed Sale	Jun 14, 2021 · Amount on Record
Deed Document Number	20211605811
Record Updated	Sep 20, 2026

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 14, 2021
Property Address	3113 JOYCE ST, SAINT CLOUD, MN 56303-0430
Document Number	00A1605811
Instrument Date	Jun 01, 2021
Instrument	A1605811
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

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	3113 JOYCE ST, SAINT CLOUD, MN 56303-0430

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 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	$5,722.00 (+10.98%)	$393,900 (-) Land $100,000 Building $293,900	$393,900 (-) Land $100,000 Building $293,900
2025	$5,156.00 (-0.42%) Homeowner's exemption	$393,900 (-5.63%) Land $100,000 Building $293,900	$393,900 (-5.63%) Land $100,000 Building $293,900
2023	$5,178.00	$417,400 Land $50,000 Building $367,400	$417,400 Land $50,000 Building $367,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	8 (1997–2001)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Apr 2001 · Severe Winter Storms, Flooding, And Tornadoes
Claims by Event	Severe Winter Storms, Flooding, And Tornadoes, Apr 2001 · 4 claims Severe Flooding, High Winds,severe Storms, Apr 1997 · 4 claims

Wildfire

Wildfire Risk	Low lower than 96% of the US · lower than 86% of Minnesota
Wildfire Likelihood	0.02% annual chance
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 as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
BIF IV Intrepid HoldCo Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Based on FCC filings for 286 locations within half a mile of this property.

Drinking Water

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

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 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.