3138 15th Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 3138 15th Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,196 sqft · built 1995
Lot Size	0.23 acres (10,019 sqft)
Owner	2 Individual Names on Record
Last Sale	$336,000 (Aug 2026)
Tax Bill	$4,114 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-45772-0029`

Property Details

APN / Parcel Number

Primary APN	`82-45772-0029`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	3 Stories
Building Area	1,196 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1995
Effective Year Built	Effective 1995
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	10,019 sqft (0.23 acres)
Lot Width	43 ft Width
Garage Area	738 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3138 15TH AVE S
City	SAINT CLOUD
State	MN
Zip	56301-5680
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD27
Legal Description	LOT 015 BLK 002 CIMARRON ESTATES SECTION 26 TOWNSHIP 124 RANGE 028 SECTION 26 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	26
Legal Subdivision	CIMARRON ESTATES
Legal Block	2
Legal Lot Number	15
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3010
Census Tract	402

Owner

Source: Stearns County records, as of August 28, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	3138 15TH AVE S, SAINT CLOUD, MN 56301-5680
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 6, 2026	Warranty Deed, Transfer · VA Mortgage FAIRWAY INDEPENDENT MORTGAGE CORPORATION
Aug 8, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE
Apr 2, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 6, 2026 · Amount on Record
Deed Sale	Aug 6, 2026 · Amount on Record
Prior Sale	Aug 2, 2023 · Amount on Record
Deed Document Number	20261718661
Prior Transfer Date	Jan 29, 2018
Prior Transfer Doc	00A1517399
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 6, 2026
Property Address	3138 15TH AVE S, SAINT CLOUD, MN 56301-5680
Document Number	0001718661
Instrument Date	Aug 3, 2026
Instrument	20261718661
Transaction Type	Transfer
Record Updated	Aug 28, 2026
Title Company	TITLE ESCROW, UNIQUE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$111,988.80
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3138 15TH AVE S, SAINT CLOUD, MN 56301-5680

Mortgage

Document Number	0001718662,
Date	Aug 6, 2026
Instrument	20261718662

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 8, 2023
Property Address	3138 15TH AVE S, SAINT CLOUD, MN 56301-5680
Document Number	00A1657875
Instrument Date	Aug 2, 2023
Instrument	A1657875
Transaction Type	Transfer
Record Updated	Aug 29, 2023
Title Company	FIRST AMERICAN TITLE

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
Relationship	Joint Tenants
Address	3138 15TH AVE S, SAINT CLOUD, MN 56301-5680
Investor	Possibly a Property Investor

April 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 2, 2018
Property Address	3138 15TH AVE S, SAINT CLOUD, MN 56301-5680
Document Number	00A1517399
Instrument Date	Jan 29, 2018
Instrument	A1517399
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7916 105TH AVE, CLEAR LAKE, MN 55319-9401

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	$4,114.00 (+20.65%)	$319,800 (+8.3%) Land $50,000 Building $269,800	$319,800 (+8.3%) Land $50,000 Building $269,800
2025		$295,300 (+6.57%) Land $50,000 Building $245,300	$295,300 (+6.57%) Land $50,000 Building $245,300
2023	$3,410.00	$277,100 Land $50,000 Building $227,100	$277,100 Land $50,000 Building $227,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

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 63% of the US · above 65% 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.

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 195 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: T-Mobile, Verizon.

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