3540 15th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3540 15th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	1,216 sqft · built 1980
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$329,900 (May 2026)
Tax Bill	$2,362 (2025)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-402-0215`

Property Details

APN / Parcel Number

Primary APN	`25-402-0215`
Alternative APNs	`25-00402-0215` `17180`

Interior

Building Area	1,216 sqft Living Area
1st Floor Area	1,216 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1991
Architectural Style	Split Foyer
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	676 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	32 sqft
Deck Area	190 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	17180
Street Address	3540 15TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9540
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 3, BLK 2
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	2
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

3540 15th Ave SE is owned and occupied by an individual who bought it in May 2026.

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

Owner of Record	Individual Name on File
Mailing Address	3540 15TH AVE SE, SAINT CLOUD, MN 56304-9540
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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 26, 2026 · Amount on File
Deed Sale	May 26, 2026 · Amount on File
Prior Sale	Dec 7, 2010 · Amount on File
Deed Document Number	2026998008
Prior Transfer Date	Dec 3, 2010
Prior Transfer Doc	0000081209
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 26, 2026
Property Address	3540 15TH AVE SE, SAINT CLOUD, MN 56304-9540
Document Number	0000998008
Instrument Date	May 21, 2026
Instrument	2026998008
Transaction Type	Transfer
Record Updated	Jun 2, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$109,955.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3540 15TH AVE SE, SAINT CLOUD, MN 56304-9540

Mortgage

Document Number	0000998009,
Date	May 26, 2026
Instrument	2026998009

Lender

Name	AMERICAN HERITAGE BANK

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2025 property tax bill for 3540 15th Ave SE was $2,362 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		$302,800 (+0.73%) Land $79,500 Building $223,300	$302,800 (+0.73%) Land $79,500 Building $223,300
2025	$2,362.00	$300,600 Land $79,500 Building $221,100	$300,600 Land $79,500 Building $221,100
2023	$2,188.00	$283,800 Land $70,400 Building $213,400
2021			$283,800 Land $70,400 Building $213,400

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

Flood

FEMA maps place 3540 15th 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 15th 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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