3143 River Rd SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3143 River Rd SE, Saint Cloud, MN 56304 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,903 sqft · built 1992
Lot Size	6.9 acres (300,564 sqft)
Owner	Individual Name on File
Tax Bill	$5,156 (2025)
Deeds & Mortgages	Feb 2026 Line of Credit Jan 2022 Line of Credit + 1 more
Flood Zone	Zone AE (high risk)
APN	`20-205-2412`

Property Details

APN / Parcel Number

Primary APN	`20-205-2412`
Alternative APNs	`20-00205-2412` `14986`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,903 sqft Living Area
1st Floor Area	1,871 sqft
Basement Area	1,580 sqft
Finished Basement	1,580 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	300,564 sqft (6.9 acres)
Garage Type	Attached
Garage Area	1,029 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	264 sqft
Deck Area	205 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3143 RIVER RD SE
City	SAINT CLOUD
State	MN
Zip	56304-1576
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	THAT PT OF GOVT LOT 2 LYING S OF N 120 FT THEREOF, LYING N OF S 800 FT THEREOF & LY ING W OF A LINE DRAWN NWLY AT AN ANGLE OF
Legal Range	30W
Legal Township	34N
Legal Section	05
Jurisdiction	SHERBURNE MN
Township / Civil Division	CLEAR LAKE
Census Block Group	1
Census Block	1023
Census Tract	30302

Owner

Source: Sherburne County records · APN 20-205-2412

Assessment roll updated August 4, 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	3143 RIVER RD SE, SAINT CLOUD, MN 56304-1576
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 13, 2026	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 19, 2022	Deed of Trust, Mortgage · Line of Credit US BANK NA
Jan 04, 2017	Deed of Trust, Mortgage · Line of Credit US BANK NA

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Updated	Sep 20, 2026

February 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3143 RIVER RD SE, SAINT CLOUD, MN 56304-1576
Transaction Type	Mortgage
Record Updated	Feb 25, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3143 RIVER RD SE, SAINT CLOUD, MN 56304-1576

Mortgage

Document Number	0000994137
Date	Feb 13, 2026
Instrument	994137

Lender

Name	US BANK NA
Type	Bank
Address	HOPKINS, MN 55343

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Feb 04, 2056

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3143 RIVER RD SE, SAINT CLOUD, MN 56304-1576
Transaction Type	Mortgage
Record Updated	Apr 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3143 RIVER RD SE, SAINT CLOUD, MN 56304-1576

Mortgage

Document Number	0000936233
Date	Jan 19, 2022
Instrument	936233

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jan 02, 2032

January 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3143 RIVER RD SE, SAINT CLOUD, MN 56304-1576
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000832546
Date	Jan 04, 2017
Instrument	832546

Lender

Name	US BANK NA
Type	Bank
Address	CINCINNATI, OH 45202

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	359 Months
Due	Dec 14, 2046

Tax Assessment & Valuation

Source: Sherburne County records · Assessment roll updated August 4, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Clear Lake Township
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		$617,200 (+1.25%) Land $214,500 Building $402,700	$617,200 (+1.25%) Land $214,500 Building $402,700
2025	$5,156.00 (+6.88%)	$609,600 (+0.94%) Land $206,200 Building $403,400	$609,600 (+0.94%) Land $206,200 Building $403,400
2023	$4,824.00	$603,900 Land $227,500 Building $376,400
2021			$603,900 Land $227,500 Building $376,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sherburne County (27141C), updated November 16, 2011 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271410303021, 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 AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)
Nearby Flood Policies	2 in force

Wildfire

Wildfire Risk	Low above 7% of the US · above 21% of Minnesota
Wildfire Likelihood	About 1 in 4,167 per year
Exposure	Direct burnable vegetation at the parcel

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 12 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Verizon	Fixed Wireless	25 / 6
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: T-Mobile USA, AT&T. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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