3531 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3531 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,456 sqft · built 1991
Lot Size	0.69 acres (30,056 sqft)
Owner	Individual Name on Record
Last Sale	$144,000 (Jan 1997)
Tax Bill	$2,926 (2025)
Deeds & Mortgages	Jan 2023 Transfer May 2020 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-402-0455`

Property Details

APN / Parcel Number

Primary APN	`25-402-0455`
Alternative APNs	`25-00402-0455` `17213`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,456 sqft Living Area
1st Floor Area	1,456 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1991
Effective Year Built	Effective 1991
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,056 sqft (0.69 acres)
Garage Type	Attached
Garage Area	962 sqft
Driveway	Driveway
Deck Area	812 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

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

Location & Zoning

Account Number	17213
Street Address	3531 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 10, BLK 4
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	4
Legal Lot Number	10
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

Source: Sherburne County records, as of September 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	3531 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 30, 2023	Affidavit of Death of Joint Tenant, Transfer
May 8, 2020	Deed of Trust, Mortgage · VA Mortgage FREEDOM MORTGAGE
Feb 4, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 23, 1997 · Amount on Record
Deed Sale	Jan 23, 1997 · Amount on Record
Deed Document Number	199740592
Record Updated	Oct 29, 2026

January 2023: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	SHERBURNE MN
Recording Date	Jan 30, 2023
Property Address	3531 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Document Number	0000953340
Instrument Date	Jan 20, 2023
Instrument	953340
Transaction Type	Transfer
Record Updated	Feb 8, 2023

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
Address	3531 12TH AVE SE, SAINT CLOUD, MN 56304-9531

May 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3531 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	0000891191
Date	May 8, 2020
Instrument	891191

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	312 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3531 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	0000911413
Date	Feb 4, 2021
Instrument	911413

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	300 Months
Due	Sep 1, 2046

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 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		$363,300 (+0.06%) Land $91,100 Building $272,200	$363,300 (+0.06%) Land $91,100 Building $272,200
2025	$2,926.00 (+9.34%)	$363,100 (+6.36%) Land $91,100 Building $272,000	$363,100 (+6.36%) Land $91,100 Building $272,000
2023	$2,676.00	$341,400 Land $80,500 Building $260,900
2021			$341,400 Land $80,500 Building $260,900

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 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

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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