315 5th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 315 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.137 acres (5,999 sqft)
Owner	Individual Name on Record
Last Sale	$160,000 (Oct 2022)
Tax Bill	$2,568 (2026)
Deeds & Mortgages	Oct 2022 Sale & Mortgage Mar 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`17.00345.00`

Property Details

APN / Parcel Number

Primary APN	`17.00345.00`

Exterior

Lot Area	5,999 sqft (0.137 acres)

Location & Zoning

Street Address	315 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1007
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-011 BLOCK-029
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	29
Legal Lot Number	11
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5052
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	315 5TH AVE SE, SAINT CLOUD, MN 56304-1007
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Mar 16, 2020	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 11, 2022 · Amount on Record
Deed Sale	Oct 11, 2022 · Amount on Record
Prior Sale	Oct 4, 2022 · Amount on Record
Deed Document Number	2022463235
Record Updated	Sep 20, 2026

October 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 11, 2022
Property Address	315 5TH AVE SE, SAINT CLOUD, MN 56304-1007
Document Number	0000463235
Instrument Date	Oct 4, 2022
Instrument	463235
Transaction Type	Transfer
Record Updated	Oct 31, 2022
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	315 5TH AVE SE, SAINT CLOUD, MN 56304-1007

Mortgage

Document Number	0000463236
Date	Oct 11, 2022
Instrument	463236

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2052

March 2020: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Mar 16, 2020
Property Address	315 5TH AVE SE, SAINT CLOUD, MN 56304-1007
Document Number	441767
Instrument Date	Mar 16, 2020
Instrument	441767
Transaction Type	Transfer
Record Updated	Aug 9, 2021

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	315 5TH AVE SE, SAINT CLOUD, MN 56304-1007

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$2,568.00 (+98.45%) Homeowner's exemption	$128,900 (+1.58%) Land $25,000 Building $103,900	$128,900 (+1.58%) Land $25,000 Building $103,900
2023	$1,294.00	$126,900 Land $25,000 Building $101,900	$126,900 Land $25,000 Building $101,900

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 July 29, 2019

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	Not rated no burnable land within 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 203 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
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: AT&T, CenturyLink.

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