3176 321st St, Saint Cloud, MN 56303 Property Records

Stearns County property record for 3176 321st St, Saint Cloud, MN 56303 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,620 sqft · built 1961
Lot Size	0.744 acres (32,400 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,368 (2026)
Flood Zone	Zone X (minimal risk)
APN	`17-09415-0000`

Property Details

APN / Parcel Number

Primary APN	`17-09415-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
1st Floor Area	1,260 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1961
Effective Year Built	Effective 1981
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	32,400 sqft (0.744 acres)
Lot Dimensions	324 ft deep x 100 ft wide
Garage Area	1,008 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	3176 321ST ST
City	SAINT CLOUD
State	MN
Zip	56303-9529
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	BEG 73.35' W OF SE COR OF LOT 3 BLK 1-NW 324.5' TO A PT 3.17' W OF NW COR OF LOT 3-E 124.5'-SE 324.5'-W 124.5' TO BEG. NORTH
Legal Range	28W
Legal Township	125
Legal Section	35
Legal Subdivision	NORTH SIDE ACRES
Legal Block	1
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	LE SAUK
Census Block Group	1
Census Block	1004
Census Tract	901

Owner

Source: Stearns County records · APN 17-09415-0000

Assessment roll updated July 30, 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	2 Individual Names on File
Mailing Address	3176 321ST ST, SAINT CLOUD, MN 56303-9529
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Le Sauk 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	$2,368.00 (+14.84%)	$310,800 (+2.68%) Land $82,600 Building $228,200	$310,800 (+2.68%) Land $82,600 Building $228,200
2025		$302,700 (+11.12%) Land $77,200 Building $225,500	$302,700 (+11.12%) Land $77,200 Building $225,500
2023	$2,062.00	$272,400 Land $77,200 Building $195,200	$272,400 Land $77,200 Building $195,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450009011, 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 X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 2 of 3 on primary residences
Nearby Flood Claims	8 (1997–2001)
Claims Outside the SFHA	6 of 8
Most Recent Claim	Apr 2001, rainfall accumulation, Severe Winter Storms, Flooding, And Tornadoes
Flood Events	Severe Winter Storms, Flooding, And Tornadoes (Apr 2001), 4 claims Severe Flooding, High Winds,severe Storms (Apr 1997), 4 claims

Wildfire

Wildfire Risk	Low above 4% of the US · above 14% of Minnesota
Wildfire Likelihood	Less than 1 in 10,000 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.