3521 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3521 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,201 sqft · built 1991
Lot Size	1.05 acres (45,738 sqft)
Owner	2 Individual Names on File
Last Sale	$120,000 (Mar 1998)
Tax Bill	$418 (2025)
Deeds & Mortgages	Dec 2021 Mortgage Feb 2017 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-402-0460`

Property Details

APN / Parcel Number

Primary APN	`25-402-0460`
Alternative APNs	`25-00402-0460` `17214`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,201 sqft Living Area
1st Floor Area	1,201 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	45,738 sqft (1.05 acres)
Garage Type	Attached
Garage Area	557 sqft
Driveway	Driveway
Deck Area	222 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	3521 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9531
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 11, BLK 4
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	4
Legal Lot Number	11
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

3521 12th Ave SE is owned and occupied by two individuals who bought it in March 1998.

Source: Sherburne County records, as of August 4, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3521 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Occupancy	Owner Occupied
Owner Type	Individual

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
Dec 20, 2021	Deed of Trust, Mortgage · VA Mortgage ACCELERATE MORTGAGE LLC
Feb 22, 2017	Deed of Trust, Mortgage · VA Mortgage ST CLOUD FCU
Sep 26, 2017	Deed of Trust, Mortgage · VA Mortgage PENNYMAC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 1998 · Amount on File
Deed Sale	Mar 18, 1998 · Amount on File
Deed Document Number	199843362
Record Updated	Sep 20, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3521 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Transaction Type	Mortgage
Record Updated	Jan 12, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000934649
Date	Dec 20, 2021
Instrument	934649

Lender

Name	ACCELERATE MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

February 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3521 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Transaction Type	Mortgage
Record Updated	Aug 16, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000834830
Date	Feb 22, 2017
Instrument	834830

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2047

September 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3521 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Document Number	0000846196
Instrument Date	Sep 26, 2017
Transaction Type	Mortgage
Record Updated	Nov 2, 2017
Title Company	SERVICELINK

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3521 12TH AVE SE ST CLOUD MN 563049531, ST CLOUD, MN 56304-9531

Mortgage

Document Number	0000846196
Date	Oct 6, 2017
Instrument	846196

Lender

Name	PENNYMAC
Address	WESTLAKE VILLAGE, CA 91361

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 5, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 3521 12th Ave SE was $418.

Source: Sherburne County assessment roll, as of August 4, 2026

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
2026		$351,400 (+0.4%) Land $109,500 Building $241,900	$351,400 (+0.4%) Land $109,500 Building $241,900
2025	$418.00	$350,000 Land $109,500 Building $240,500	$350,000 Land $109,500 Building $240,500
2023		$331,200 Land $96,600 Building $234,600
2021	$84.00		$331,200 Land $96,600 Building $234,600

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

Flood

FEMA maps place 3521 12th Ave SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 3521 12th Ave SE is low, with a 0.03% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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