319 38th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 319 38th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,024 sqft · built 1920
Lot Size	0.21 acres (9,148 sqft)
Owner	Individual Name on File
Last Sale	$60,000 (Sep 2026)
Tax Bill	$4,148 (2026)
Deeds & Mortgages	Sep 2026 Sale & Construction Loan Jul 2023 Contract Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-48565-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48565-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,024 sqft Living Area
1st Floor Area	720 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1920
Effective Year Built	Effective 1920
Exterior Material	Other
Roof Material	Asphalt
Lot Area	9,148 sqft (0.21 acres)
Lot Width	84 ft Width
Garage Area	264 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	319 38TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3051
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD6
Legal Description	LOTS 8 & 9 LESS W'LY PART FOR HWY BLK 3 MCCLURE & WHITNEY'2ND ADD SECTION 09 TOWNSHIP 124 RANGE 028 MCCLURE & WHITNEY'2ND ADD
Legal Range	28W
Legal Township	124
Legal Section	09
Legal Subdivision	MCCLURE WHITNEY2ND ADD
Legal Block	3
Legal Lot Number	8-9
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1020
Census Tract	601

Owner

319 38th Ave N is owned and occupied by an individual who bought it in September 2026.

Source: Stearns County records, as of September 25, 2026

Owner of Record	Individual Name on File
Mailing Address	319 38TH AVE N, SAINT CLOUD, MN 56303-3051
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

Date	Document
Sep 1, 2026	Warranty Deed, Construction Loan · Construction Mortgage BANK OF RIO VISTA
Jul 20, 2023	Contract Sale, Subdivision Related Transfer QUDARY TITLE, QUARRY TITLE
May 10, 2023	Personal Representative Deed, Transfer QUDARY TITLE, QUARRY TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 1, 2026 · Amount on File
Deed Sale	Sep 1, 2026 · Amount on File
Prior Sale	Jul 17, 2023 · Amount on File
Deed Document Number	20261720145
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 1, 2026
Property Address	319 38TH AVE N, SAINT CLOUD, MN 56303-3051
Document Number	0001720145
Instrument Date	Aug 31, 2026
Instrument	20261720145
Transaction Type	Construction Loan
Record Updated	Sep 25, 2026
Title Company	TITLE ESCROW, UNIQUE TITLE AND ESCROW

Transaction

Amount	Amount on Record
Tax	$19,998.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	319 38TH AVE N, SAINT CLOUD, MN 56303-3051

Mortgage

Document Number	0001720146,
Date	Sep 1, 2026
Instrument	20261720146

Lender

Name	BANK OF RIO VISTA

Agreement

Type	Construction Mortgage
Amount	Amount on Record
Term	12 Months
Due	Aug 28, 2027

Interest

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

July 2023: Contract Sale, Subdivision Related Transfer

Document Type	Contract Sale
Jurisdiction	STEARNS MN
Recording Date	Jul 20, 2023
Property Address	319 38TH AVE N, SAINT CLOUD, MN 56303-3051
Document Number	00A1656721
Instrument Date	Jul 17, 2023
Instrument	A1656721
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 17, 2023
Title Company	QUDARY TITLE, QUARRY TITLE

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	216 8TH AVE N, SAUK RAPIDS, MN 56379-2049

May 2023: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	STEARNS MN
Recording Date	May 10, 2023
Property Address	319 38TH AVE N, SAINT CLOUD, MN 56303-3051
Document Number	00A1652762
Instrument Date	May 5, 2023
Instrument	A1652762
Transaction Type	Transfer
Record Updated	Jun 6, 2023
Title Company	QUDARY TITLE, QUARRY TITLE

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	PO BOX 129, SARTELL, MN 56377-0129
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 319 38th Ave N was $4,148.

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$4,148.00	$132,700 (-) Land $30,000 Building $102,700	$132,700 (-) Land $30,000 Building $102,700
2025		$132,700 Land $30,000 Building $102,700	$132,700 Land $30,000 Building $102,700
2023	$2,828.00	$123,400 Land $30,000 Building $93,400	$123,400 Land $30,000 Building $93,400

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

Flood

FEMA maps place 319 38th Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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

The area around 319 38th Ave N has no burnable land within ember reach, so its wildfire risk is not rated.

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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Xtratyme Technologies.

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