324 38th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 324 38th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 972 sqft · built 1992
Lot Size	0.18 acres (7,841 sqft)
Owner	2 Individual Names on File
Last Sale	$214,000 (Oct 2025)
Tax Bill	$2,624 (2026)
Deeds & Mortgages	Oct 2025 Sale May 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-48578-0010`

Property Details

APN / Parcel Number

Primary APN	`82-48578-0010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	972 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1992
Architectural Style	Bi-Level
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Width	60 ft Width
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	324 38TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3050
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD6
Legal Description	LOT 26 & S 18' OF LOT 27 MCCLURE & WHITNEY'2ND ADD SECTION 09 TOWNSHIP 124 RANGE 028 MCCLURE & WHITNEY'2ND ADD SECTION 09
Legal Range	28W
Legal Township	124
Legal Section	09
Legal Subdivision	MCCLURE WHITNEY2ND ADD
Legal Block	4
Legal Lot Number	26-27
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1019
Census Tract	601

Owner

324 38th Ave N is owned and occupied by two individuals who bought it in October 2025.

Source: Stearns County records, as of August 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	324 38TH AVE N, SAINT CLOUD, MN 56303-3050
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Oct 28, 2025	Warranty Deed, Transfer
May 6, 2022	Warranty Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Apr 4, 2022 · Amount on File
Deed Document Number	20251702216
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 28, 2025
Property Address	324 38TH AVE N, SAINT CLOUD, MN 56303-3050
Document Number	00A1702216
Instrument Date	Oct 22, 2025
Instrument	A1702216
Transaction Type	Transfer
Record Updated	Dec 16, 2025

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	324 38TH AVE N, SAINT CLOUD, MN 56303-3050

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 6, 2022
Property Address	324 38TH AVE N, SAINT CLOUD, MN 56303-3050
Document Number	00A1631896
Instrument Date	May 4, 2022
Instrument	A1631896
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount on Record
Tax	$0.00
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	324 38TH AVE N, SAINT CLOUD, MN 56303-3050

Tax Assessment & Valuation

The 2026 property tax bill for 324 38th Ave N was $2,624.

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	$2,624.00	$201,700 (-) Land $25,000 Building $176,700	$201,700 (-) Land $25,000 Building $176,700
2025		$201,700 Land $25,000 Building $176,700	$201,700 Land $25,000 Building $176,700
2024	$2,366.00 (+10.15%)
2023	$2,148.00	$201,700 Land $25,000 Building $176,700	$201,700 Land $25,000 Building $176,700

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

Flood

FEMA maps place 324 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 324 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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