3552 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3552 12th Ave SE, Saint Cloud, MN 56304 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,496 sqft · built 1960
Lot Size	0.84 acres (36,590 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Aug 2026)
Tax Bill	$2,528 (2025)
Deeds & Mortgages	Aug 2026 Sale & Mortgage Oct 2020 Mortgage
Flood Zone	Zone AE (high risk)
APN	`25-403-0040`

Property Details

APN / Parcel Number

Primary APN	`25-403-0040`
Alternative APNs	`25-00403-0040` `17230`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Building Area	1,496 sqft Living Area
1st Floor Area	1,496 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	36,590 sqft (0.84 acres)
Garage Type	Attached
Garage Area	528 sqft
Driveway	Driveway
Porch	Screened Porch
Porch Area	197 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	3552 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9531
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	NLY 40 FT OF LOT 5 & ALL OF LOT 4
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VARNER RIVER ADDITION
Legal Lot Number	4-5
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

Source: Sherburne County records · APN 25-403-0040

Assessment roll updated August 4, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on File
Mailing Address	3552 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 12, 2026	Warranty Deed, Transfer · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Oct 19, 2020	Deed of Trust, Mortgage · Conventional Mortgage LEADER ONE FINANCIAL CORP

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 12, 2026 · Amount on Record
Deed Sale	Aug 12, 2026 · Amount on Record
Prior Sale	Jun 25, 2015 · Amount on Record
Deed Document Number	20261001669
Record Updated	Sep 20, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 12, 2026
Property Address	3552 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Document Number	0001001669
Instrument Date	Aug 03, 2026
Instrument	20261001669
Transaction Type	Transfer
Record Updated	Aug 20, 2026
Title Company	BURNET TITLE LLC, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$111,655.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3552 12TH AVE SE, SAINT CLOUD, MN 56304-9531

Mortgage

Document Number	0001001669,
Date	Aug 12, 2026
Instrument	20261001669

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.43%
Initial Type	Fixed Rate
Max Rate	-1%

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3552 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	0000903024
Date	Oct 19, 2020
Instrument	903024

Lender

Name	LEADER ONE FINANCIAL CORP
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Nov 01, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County records · Assessment roll updated August 4, 2026 · Last verified August 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$324,000 (+1.57%) Land $134,000 Building $190,000	$324,000 (+1.57%) Land $134,000 Building $190,000
2025	$2,528.00 (+3.27%)	$319,000 (-0.06%) Land $134,000 Building $185,000	$319,000 (-0.06%) Land $134,000 Building $185,000
2023	$2,448.00	$319,200 Land $147,500 Building $171,700
2021			$319,200 Land $147,500 Building $171,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sherburne County (27141C), updated November 16, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	Varies along the reach; see FIRM
Flood Insurance Requirement	Required (federally backed mortgages)

Wildfire

Wildfire Risk	Low above 7% of the US · above 21% of Minnesota
Wildfire Likelihood	About 1 in 3,030 per year
Exposure	Direct burnable vegetation at the parcel

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

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 47 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 35

May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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