320 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 320 4th Ave NE, Saint Cloud, MN 56304 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	2 Company Names on File
Last Sale	$3,000 (Sep 2024)
Tax Bill	$2,294 (2026)
Deeds & Mortgages	Aug 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00889.00`

Property Details

APN / Parcel Number

Primary APN	`17.00889.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	320 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0317
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-004 BLOCK-020 W/UNDIV 1/2 INT TO ROGER WILLIAM BORGHEIINCK REV TR & W/UNDIV 1/2
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	20
Legal Lot Number	4
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4029
Census Tract	21201

Owner

Source: Benton County records · APN 17.00889.00

Assessment roll updated July 16, 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 Company Names on File
Mailing Address	320 4TH AVE NE, SAINT CLOUD, MN 56304-0317
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 19, 2024 · Amount on Record
Deed Sale	Sep 19, 2024 · Amount on Record
Prior Sale	Aug 12, 2020 · Amount on Record
Deed Document Number	2024473626
Prior Transfer Date	Sep 16, 2024
Prior Transfer Doc	0000473626
Record Updated	Sep 20, 2026

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 12, 2020
Property Address	320 4TH AVE NE, SAINT CLOUD, MN 56304-0317
Document Number	445042
Instrument Date	Jul 31, 2020
Instrument	445042
Transaction Type	Transfer
Record Updated	Aug 09, 2021
Title Company	HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
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	320 40TH AVENUE NE, SAINT CLOUD, MN 56304

Mortgage

Document Number	0000445043
Date	Aug 12, 2020
Instrument	445043

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 01, 2050

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified August 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	$2,294.00 (+12.01%) Homeowner's exemption	$190,400 (+8.55%) Land $25,000 Building $165,400	$190,400 (+8.55%) Land $25,000 Building $165,400
2025	$2,048.00 (-1.73%) Homeowner's exemption	$175,400 (-) Land $25,000 Building $150,400	$175,400 (-) Land $25,000 Building $150,400
2023	$2,084.00	$175,400 Land $25,000 Building $150,400	$175,400 Land $25,000 Building $150,400

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
Flood Hazard	Minimal
500-Year Floodplain	No
Special Flood Hazard Area	No

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.