326 16th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 326 16th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.344 acres (14,996 sqft)
Owner	2 Individual Names on Record
Last Sale	$123,500 (Sep 2015)
Tax Bill	$2,430 (2026)
Deeds & Mortgages	Aug 2021 Line of Credit Jun 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.01219.00`

Property Details

APN / Parcel Number

Primary APN	`17.01219.00`

Exterior

Lot Area	14,996 sqft (0.344 acres)

Location & Zoning

Street Address	326 16TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1307
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS-2ND ADDN LOT-012 BLOCK-003
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	3
Legal Lot Number	12
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3007
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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 Record
Mailing Address	326 16TH AVE SE, SAINT CLOUD, MN 56304-1307
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 20, 2021	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FCU
Jun 25, 2021	Intrafamily Transfer, Transfer · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 18, 2015 · Amount on Record
Deed Sale	Sep 18, 2015 · Amount on Record
Deed Document Number	2015410578
Last Transfer Date	Jun 21, 2021
Transfer Doc	453447
Record Updated	Sep 20, 2026

August 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	326 16TH AVE SE, SAINT CLOUD, MN 56304-1307
Transaction Type	Mortgage
Record Updated	Sep 8, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	326 16TH AVE SE, SAINT CLOUD, MN 56304-1307

Mortgage

Document Number	454746
Date	Aug 20, 2021
Instrument	454746

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Aug 5, 2031

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

June 2021: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Jun 25, 2021
Property Address	326 16TH AVE SE, SAINT CLOUD, MN 56304-1307
Document Number	453447
Instrument Date	Jun 21, 2021
Instrument	453447
Transaction Type	Transfer
Record Updated	Jul 12, 2021
Title Company	AFFINITY PLUS TITLE COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	326 16TH AVE SE, SAINT CLOUD, MN 56304-1307

Mortgage

Document Number	453448
Date	Jun 25, 2021
Instrument	453448

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2051

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,430.00 (+14.3%) Homeowner's exemption	$183,400 (-) Land $40,000 Building $143,400	$183,400 (-) Land $40,000 Building $143,400
2025	$2,126.00 (+5.77%) Homeowner's exemption	$183,400 (+1.55%) Land $40,000 Building $143,400	$183,400 (+1.55%) Land $40,000 Building $143,400
2023	$2,010.00	$180,600 Land $40,000 Building $140,600	$180,600 Land $40,000 Building $140,600

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

Flood

Source: FEMA National Flood Hazard Layer, effective July 29, 2019

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond 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 149 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30

May also be available: Verizon.

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