Stearns County property record for 3230 Bittersweet Ln, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,679 sqft · built 1991 |
| Lot Size | 1.01 acres (43,996 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $410,000 (Jun 2026) |
| Tax Bill | $5,342 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage Sep 2023 Transfer |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44436-0170 |
| Primary APN | 82-44436-0170 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 6 Rooms |
| Stories | 4 Stories |
| Building Area | 1,679 sqft Living Area |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1991 |
|---|---|
| Effective Year Built | Effective 1991 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 43,996 sqft (1.01 acres) |
| Lot Width | 112 ft Width |
| Garage Area | 1,000 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 3230 BITTERSWEET LN |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-9034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 011 BLK 004 BENT TREE ACRES SECTION 27 TOWNSHIP 124 RANGE 028 SECTION 27 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 27 |
| Legal Subdivision | BENT TREE ACRES |
| Legal Block | 4 |
| Legal Lot Number | 11 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1009 |
| Census Tract | 402 |
Source: Stearns County records, as of June 16, 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 Record |
|---|---|
| Mailing Address | 3230 BITTERSWEET LN, SAINT CLOUD, MN 56301-9034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 1, 2026 | Warranty Deed, Transfer · Conventional Mortgage NOTRE DAME FEDERAL CREDIT UNION |
| Sep 27, 2023 | Transfer on Death Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 1, 2026 · Amount on Record |
| Deed Sale | Jun 1, 2026 · Amount on Record |
| Deed Document Number | 20261714080 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jun 1, 2026 |
| Property Address | 3230 BITTERSWEET LN, SAINT CLOUD, MN 56301-9034 |
| Document Number | 0001714080 |
| Instrument Date | May 28, 2026 |
| Instrument | 20261714080 |
| Transaction Type | Transfer |
| Record Updated | Jun 16, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $136,653.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3230 BITTERSWEET LN, SAINT CLOUD, MN 56301-9034 |
| Document Number | 0001714081, |
|---|---|
| Date | Jun 1, 2026 |
| Instrument | 20261714081 |
| Name | NOTRE DAME FEDERAL CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 5.65% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 27, 2023 |
| Property Address | 3230 BITTERSWEET LN, SAINT CLOUD, MN 56301-9034 |
| Document Number | 00A1660741 |
| Instrument Date | Sep 25, 2023 |
| Instrument | A1660741 |
| Transaction Type | Transfer |
| Record Updated | Oct 24, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3230 BITTERSWEET LN, SAINT CLOUD, MN 56301-9034 |
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,342.00 (+35.17%) | ||
| 2025 | $371,800 (+11.62%) Land $75,000 Building $296,800 | $371,800 (+11.62%) Land $75,000 Building $296,800 | |
| 2023 | $3,952.00 | $333,100 Land $45,000 Building $288,100 | $333,100 Land $45,000 Building $288,100 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 61% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 80 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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