Stearns County property record for 3548 21st Ave S, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3.5 ba · 2,524 sqft · built 2010 |
| Lot Size | 0.41 acres (17,860 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $7,908 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-46430-0116 |
| Primary APN | 82-46430-0116 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 2 Stories |
| Building Area | 2,524 sqft Living Area |
| 1st Floor Area | 1,224 sqft |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2010 |
|---|---|
| Effective Year Built | Effective 2010 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 17,860 sqft (0.41 acres) |
| Lot Width | 120 ft Width |
| Garage Area | 860 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 3548 21ST AVE S |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-8934 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 002 BLK 004 DEER CREEK CROSSING FIVE SECTION 34 TOWNSHIP 124 RANGE 028 SECTION 34 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 34 |
| Legal Subdivision | DEER CREEK CROSSING FIVE |
| Legal Block | 4 |
| Legal Lot Number | 2 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1018 |
| Census Tract | 402 |
3548 21st Ave S is owned and occupied by an individual.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3548 21ST AVE S, SAINT CLOUD, MN 56301-8934 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 3548 21st Ave S was $7,908, up 13.3% from the year before.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $7,908.00 (+13.33%) | $526,800 (-) Land $100,000 Building $426,800 | $526,800 (-) Land $100,000 Building $426,800 |
| 2025 | $6,978.00 | $526,800 Land $100,000 Building $426,800 | $526,800 Land $100,000 Building $426,800 |
| 2023 | $6,706.00 | $518,400 Land $85,000 Building $433,400 | $518,400 Land $85,000 Building $433,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3548 21st Ave S in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024
| 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 risk around 3548 21st Ave S is low, with a 0.02% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 95% of the US · lower than 84% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Saint Cloud serves 71,321 people · EPA ID MN1730027 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 151 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: CenturyLink, Verizon.
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