3498 12th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3498 12th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Rural Home
Details	2 bd · 2 ba · 1,844 sqft · built 1983
Lot Size	25.8 acres (1,124,719 sqft)
Owner	2 Individual Names on Record
Last Sale	$347,500 (Jun 2019)
Tax Bill	$4,166 (2025)
Deeds & Mortgages	Jun 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`25-005-1100`

Property Details

APN / Parcel Number

Primary APN	`25-005-1100`
Alternative APNs	`25-00005-1100` `1827`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,844 sqft Living Area
1st Floor Area	1,844 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1983
Effective Year Built	Effective 1983
Architectural Style	Ranch
Exterior Material	Stucco
Construction Type	Wood
Roof Type	Hip
Roof Material	Metal
Lot Area	1,124,719 sqft (25.8 acres)
Garage Type	Attached
Garage Area	661 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	115 sqft
Patio Area	505 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	3498 12TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-9415
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	E 399.41 FT OF NE 1-4 TOGETHER WITH A STRIP 55 FT WIDE ALONG THE W EDGE OF THE E 3/4 OF THE SE1/4 OF NW1/4
Legal Range	30W
Legal Township	35N
Legal Section	05
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	30301

Owner

Source: Sherburne County records, as of April 21, 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	3498 12TH ST SE, SAINT CLOUD, MN 56304-9415
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2019 · Amount on Record
Deed Sale	Jun 14, 2019 · Amount on Record
Prior Sale	Sep 3, 2010 · Amount on Record
Deed Document Number	2019873490
Prior Transfer Date	Sep 1, 2010
Prior Transfer Doc	0000080899
Record Updated	Jun 8, 2026

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 14, 2019
Property Address	3498 12TH ST SE, SAINT CLOUD, MN 56304-9415
Document Number	0000873490
Instrument Date	Jun 1, 2019
Instrument	873490
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Tax	$1,146.75
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3498 12TH ST SE, SAINT CLOUD, MN 56304-9415

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$4,166.00 (+20.89%)	$495,100 (+483.16%) Land $179,400 Building $315,700	$495,100 (+483.16%) Land $179,400 Building $315,700
2023	$3,446.00	$84,900 Land $84,900
2021			$84,900 Land $84,900

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

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

Wildfire Risk	Moderate above 56% of the US · above 82% of Minnesota
Wildfire Likelihood	0.1% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500