316 Riverside Dr SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 316 Riverside Dr SE, Saint Cloud, MN 56304 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.404 acres (17,622 sqft)
Owner	Individual Name on File
Last Sale	$220,000 (Apr 2024)
Tax Bill	$3,480 (2026)
Deeds & Mortgages	Jul 2026 Line of Credit Apr 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00557.00`

Property Details

APN / Parcel Number

Primary APN	`17.00557.00`

Exterior

Lot Area	17,622 sqft (0.404 acres)

Location & Zoning

Street Address	316 RIVERSIDE DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1028
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 WRIGHT & BENSEN'S SUBD OF BLKS LOT-004 BLOCK-005 & PART OF LOTS 5 42 43 BLK 5 & VAC 4TH AVE SE &
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	WRIGHT & BENSEN'S SUBD OF BLKS
Legal Block	5
Legal Lot Number	4
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5051
Census Tract	21201

Owner

Source: Benton County records · APN 17.00557.00

Assessment roll updated July 16, 2026 · Last verified July 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	316 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1028
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2026	Deed of Trust, Mortgage · Line of Credit TRUSTONE FINANCIAL FEDERAL CREDIT UNION
Apr 23, 2024	Warranty Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE NATIONAL BANK
Nov 23, 2022	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE NATIONAL BANK

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 23, 2024 · Amount on Record
Deed Sale	Apr 23, 2024 · Amount on Record
Deed Document Number	2024471404
Record Updated	Sep 20, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jul 31, 2026
Property Address	316 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1028
Document Number	0000484857
Instrument Date	Jul 22, 2026
Instrument	2026484857
Transaction Type	Mortgage
Record Updated	Aug 20, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1028

Mortgage

Document Number	0000484857,
Date	Jul 31, 2026
Instrument	2026484857

Lender

Name	TRUSTONE FINANCIAL FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Rate	6.49%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 23, 2024
Property Address	316 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1028
Document Number	0000471404
Instrument Date	Apr 22, 2024
Instrument	471404
Transaction Type	Transfer
Record Updated	May 13, 2024
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	316 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1028

Mortgage

Document Number	0000471405
Date	Apr 23, 2024
Instrument	471405

Lender

Name	AMERICAN HERITAGE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2054

November 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	316 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1028
Transaction Type	Mortgage
Record Updated	Dec 08, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463930
Date	Nov 23, 2022
Instrument	463930

Lender

Name	AMERICAN HERITAGE NATIONAL BANK
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 01, 2052

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 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

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	$3,480.00 (+5.71%) Homeowner's exemption	$245,700 (-) Land $65,000 Building $180,700	$245,700 (-) Land $65,000 Building $180,700
2025	$3,292.00 (-2.78%) Homeowner's exemption	$245,700 (-4.99%) Land $65,000 Building $180,700	$245,700 (-4.99%) Land $65,000 Building $180,700
2023	$3,386.00	$258,600 Land $65,000 Building $193,600	$258,600 Land $65,000 Building $193,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Benton County (27009C), updated July 29, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 500 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 252 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, BIF IV Intrepid HoldCo, T-Mobile USA, Lumen Technologies, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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