3574 15th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3574 15th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,134 sqft · built 2001
Lot Size	0.5 acres (21,780 sqft)
Owner	Individual Name on File
Last Sale	$315,000 (Oct 2025)
Tax Bill	$2,366 (2025)
Deeds & Mortgages	Oct 2025 Mortgage Oct 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-402-0225`

Property Details

APN / Parcel Number

Primary APN	`25-402-0225`
Alternative APNs	`25-00402-0225` `17182`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Building Area	1,134 sqft Living Area
1st Floor Area	1,134 sqft
Basement Area	920 sqft
Finished Basement	920 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Split Foyer
Exterior Material	Metal
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	21,780 sqft (0.5 acres)
Garage Type	Attached
Garage Area	802 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	30 sqft
Deck Area	169 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	17182
Street Address	3574 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 5, BLK 2
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

3574 15th Ave SE is owned and occupied by an individual who bought it in October 2025.

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

Owner of Record	Individual Name on File
Mailing Address	3574 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

Date	Document
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MINNESOTA HOUSING PRTNRSHP INC
Oct 28, 2025	Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MINNESOTA HOUSING PRTNRSHP INC
Oct 28, 2025	Deed, Transfer · Stand-Alone First Mortgage UIF CORP
Jan 5, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN FINANCE HOUSE LARIBA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2025 · Amount on File
Deed Sale	Oct 28, 2025 · Amount on File
Prior Sale	Aug 17, 2001 · Amount on File
Deed Document Number	2025989742
Record Updated	Oct 29, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3574 15TH AVE SE, SAINT CLOUD, MN 56304-9540
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000989744
Date	Oct 28, 2025
Instrument	989744

Lender

Name	CENTRAL MINNESOTA HOUSING PRTNRSHP INC
Type	Non-Lending Institution
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 15, 2030

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3574 15TH AVE SE, SAINT CLOUD, MN 56304-9540
Transaction Type	Mortgage
Record Updated	Nov 12, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000989744
Date	Oct 28, 2025
Instrument	989744

Lender

Name	CENTRAL MINNESOTA HOUSING PRTNRSHP INC
Type	Non-Lending Institution
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Oct 15, 2030

October 2025: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 28, 2025
Property Address	3574 15TH AVE SE, SAINT CLOUD, MN 56304-9540
Document Number	0000989742
Instrument Date	Oct 14, 2025
Instrument	989742
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,039.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3574 15TH AVE SE, SAINT CLOUD, MN 56304-9540

Mortgage

Document Number	0000989743
Date	Oct 28, 2025
Instrument	989743

Lender

Name	UIF CORP
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	3574 15TH AVE SE, SAINT CLOUD, MN 56304-9540
Transaction Type	Mortgage
Record Updated	Oct 25, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000909084
Date	Jan 5, 2021
Instrument	909084

Lender

Name	AMERICAN FINANCE HOUSE LARIBA
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	372 Months
Due	Jan 1, 2051

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3574 15th Ave SE was $2,366 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		$303,800 (+0.93%) Land $79,500 Building $224,300	$303,800 (+0.93%) Land $79,500 Building $224,300
2025	$2,366.00	$301,000 Land $79,500 Building $221,500	$301,000 Land $79,500 Building $221,500
2023	$2,170.00	$282,900 Land $70,400 Building $212,500
2021			$282,900 Land $70,400 Building $212,500

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

Flood

FEMA maps place 3574 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 3574 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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