3571 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3571 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 1,280 sqft · built 1963
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Jun 2022)
Tax Bill	$2,138 (2025)
Deeds & Mortgages	Jul 2022 Mortgage Jul 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-402-0445`

Property Details

APN / Parcel Number

Primary APN	`25-402-0445`
Alternative APNs	`25-00402-0445` `17211`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Building Area	1,280 sqft Living Area
1st Floor Area	1,280 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1973
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Garage Type	Attached
Garage Area	576 sqft
Driveway	Driveway
Patio Area	345 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	17211
Street Address	3571 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 8, BLK 4
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	4
Legal Lot Number	8
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

3571 12th Ave SE is owned and occupied by two individuals who bought it in June 2022.

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

Owner of Record	2 Individual Names on File
Mailing Address	3571 12TH AVE SE, SAINT CLOUD, MN 56304-9531
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
Jul 7, 2022	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jul 7, 2022	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 14, 2022 · Amount on File
Deed Sale	Jun 14, 2022 · Amount on File
Prior Sale	Jun 7, 1999 · Amount on File
Deed Document Number	20221431400
Record Updated	Oct 29, 2026

July 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3571 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Transaction Type	Mortgage
Record Updated	Jan 19, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000945092
Date	Jul 7, 2022
Instrument	945092

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2032

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 7, 2022
Property Address	3571 12TH AVE SE, SAINT CLOUD, MN 56304-9531
Document Number	0000945090
Instrument Date	Jun 14, 2022
Instrument	945090
Transaction Type	Transfer
Record Updated	Jul 19, 2022
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3571 12TH AVE SE, SAINT CLOUD, MN 56304-9531

Mortgage

Document Number	0000945091
Date	Jul 7, 2022
Instrument	945091

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2052

Tax Assessment & Valuation

The 2025 property tax bill for 3571 12th Ave SE was $2,138 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		$286,900 (+4.06%) Land $85,900 Building $201,000	$286,900 (+4.06%) Land $85,900 Building $201,000
2025	$2,138.00	$275,700 Land $85,900 Building $189,800	$275,700 Land $85,900 Building $189,800
2023	$1,832.00	$253,300 Land $75,900 Building $177,400
2021			$253,300 Land $75,900 Building $177,400

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

Flood

FEMA maps place 3571 12th Ave SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 3571 12th 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 / 1,000

May also be available: Verizon.

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