316 15th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 316 15th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.343 acres (14,950 sqft)
Owner	Individual Name on File
Last Sale	$182,000 (Aug 2021)
Tax Bill	$2,348 (2026)
Deeds & Mortgages	Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.01157.00`

Property Details

APN / Parcel Number

Primary APN	`17.01157.00`

Exterior

Lot Area	14,950 sqft (0.343 acres)

Location & Zoning

Street Address	316 15TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1231
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS LOT-008 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	1
Legal Lot Number	8
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3008
Census Tract	21201

Owner

316 15th Ave SE is owned and occupied by an individual who bought it in August 2021.

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

Owner of Record	Individual Name on File
Mailing Address	316 15TH AVE SE, SAINT CLOUD, MN 56304-1231
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 4, 2021 · Amount on File
Deed Sale	Aug 4, 2021 · Amount on File
Prior Sale	Jul 30, 2014 · Amount on File
Deed Document Number	2021454390
Prior Transfer Date	Nov 6, 2013
Prior Transfer Doc	400576
Record Updated	Sep 20, 2026

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 4, 2021
Property Address	316 15TH AVE SE, SAINT CLOUD, MN 56304-1231
Document Number	454390
Instrument Date	Aug 3, 2021
Instrument	454390
Transaction Type	Transfer
Record Updated	Aug 24, 2021
Title Company	HOME TOWN TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$600.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 15TH AVE SE, SAINT CLOUD, MN 56304-1231

Mortgage

Document Number	454391
Date	Aug 4, 2021
Instrument	454391

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Sep 1, 2051

Tax Assessment & Valuation

The 2026 property tax bill for 316 15th Ave SE was $2,348 with a homeowner's exemption, up 12% from the year before.

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	$2,348.00 (+12.02%) Homeowner's exemption	$178,600 (-) Land $40,000 Building $138,600	$178,600 (-) Land $40,000 Building $138,600
2025	$2,096.00 Homeowner's exemption	$178,600 Land $40,000 Building $138,600	$178,600 Land $40,000 Building $138,600
2023	$1,984.00	$178,600 Land $40,000 Building $138,600	$178,600 Land $40,000 Building $138,600

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

Flood

FEMA maps place 316 15th Ave SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 316 15th Ave SE is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 149 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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