317 16th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 317 16th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.342 acres (14,912 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (Sep 2025)
Tax Bill	$2,570 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Sep 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.01154.00`

Property Details

APN / Parcel Number

Primary APN	`17.01154.00`

Exterior

Lot Area	14,912 sqft (0.342 acres)

Location & Zoning

Street Address	317 16TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1308
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS LOT-005 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	1
Legal Lot Number	5
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3008
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	317 16TH AVE SE, SAINT CLOUD, MN 56304-1308
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 1, 2026	Deed of Trust, Mortgage · FHA Mortgage TEXANA BANK
Sep 30, 2025	Deed, Transfer · FHA Mortgage CROSSCOUNTRY MORTGAGE LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 30, 2025 · Amount on Record
Deed Sale	Sep 30, 2025 · Amount on Record
Deed Document Number	2025479651
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jun 1, 2026
Property Address	317 16TH AVE SE, SAINT CLOUD, MN 56304-1308
Document Number	0000483621
Instrument Date	May 22, 2026
Instrument	2026483621
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	317 16TH AVE SE, SAINT CLOUD, MN 56304-1308

Mortgage

Document Number	0000483621,
Date	Jun 1, 2026
Instrument	2026483621

Lender

Name	TEXANA BANK

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

September 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Sep 30, 2025
Property Address	317 16TH AVE SE, SAINT CLOUD, MN 56304-1308
Document Number	0000479651
Instrument Date	Sep 25, 2025
Instrument	479651
Transaction Type	Transfer
Record Updated	Oct 17, 2025
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN MORTGAGE SLN

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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
Relationship	Joint Tenants
Address	317 16TH AVE SE, SAINT CLOUD, MN 56304-1308

Mortgage

Document Number	0000479652
Date	Sep 30, 2025
Instrument	479652

Lender

Name	CROSSCOUNTRY MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2055

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	$2,570.00 (+12.13%) Homeowner's exemption	$195,700 (+2.09%) Land $40,000 Building $155,700	$195,700 (+2.09%) Land $40,000 Building $155,700
2025	$2,292.00 (+6.21%) Homeowner's exemption	$191,700 (-) Land $40,000 Building $151,700	$191,700 (-) Land $40,000 Building $151,700
2023	$2,158.00	$191,700 Land $40,000 Building $151,700	$191,700 Land $40,000 Building $151,700

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	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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