3540 14th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3540 14th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 992 sqft · built 1973
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$215,000 (Feb 2021)
Tax Bill	$1,934 (2025)
Deeds & Mortgages	Feb 2021 Sale & Mortgage Jun 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-402-0315`

Property Details

APN / Parcel Number

Primary APN	`25-402-0315`
Alternative APNs	`25-00402-0315` `17193`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	992 sqft Living Area
1st Floor Area	992 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	23,958 sqft (0.55 acres)
Garage Type	Attached
Garage Area	616 sqft
Driveway	Driveway
Deck Area	80 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	17193
Street Address	3540 14TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9537
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 3, BLK 3
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	3
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

3540 14th Ave SE is owned and occupied by an individual who bought it in February 2021.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	3540 14TH AVE SE, SAINT CLOUD, MN 56304-9537
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
Feb 26, 2021	Warranty Deed, Transfer · Conventional Mortgage GREAT RIVER FCU
Jun 25, 2018	Grant Deed, Transfer BAY EQUITY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2021 · Amount on File
Deed Sale	Feb 26, 2021 · Amount on File
Deed Document Number	2021913039
Record Updated	Oct 29, 2026

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 26, 2021
Property Address	3540 14TH AVE SE, SAINT CLOUD, MN 56304-9537
Document Number	0000913039
Instrument Date	Dec 18, 2020
Instrument	913039
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$709.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 14TH AVE SE, SAINT CLOUD, MN 56304-9537

Mortgage

Document Number	0000913040
Date	Feb 26, 2021
Instrument	913040

Lender

Name	GREAT RIVER FCU

Agreement

Type	Conventional Mortgage
Amount	Amount on Record

June 2018: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 25, 2018
Property Address	3540 14TH AVE SE, SAINT CLOUD, MN 56304-9537
Document Number	0000858012
Instrument Date	Jun 21, 2018
Instrument	858012
Transaction Type	Transfer
Record Updated	Jul 11, 2018
Title Company	CONTINENTAL R/E SERVICES

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	3540 14TH AVE SE ST CLOUD MN 563049537, ST CLOUD, MN 56304-9537

Mortgage

Document Number	858013
Date	Jun 25, 2018
Instrument	858013

Lender

Name	BAY EQUITY
Type	Funding / Finance Company
Address	SAUSALITO, CA 94965

Agreement

Amount	Amount on Record
Term	360 Months
Due	Jun 24, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 3540 14th Ave SE was $1,934 with a homeowner's exemption.

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		$272,400 (+7.58%) Land $82,700 Building $189,700	$272,400 (+7.58%) Land $82,700 Building $189,700
2025	$1,934.00	$253,200 Land $82,700 Building $170,500	$253,200 Land $82,700 Building $170,500
2023	$1,720.00	$235,500 Land $70,100 Building $165,400
2021			$235,500 Land $70,100 Building $165,400

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

Flood

FEMA maps place 3540 14th Ave SE in Zone X, an area of minimal flood risk.

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

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

Wildfire risk around 3540 14th 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 / 50
Starlink Satellite	280 / 30

May also be available: Verizon.

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