3598 Wildflower Rd S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 3598 Wildflower Rd S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 3.5 ba · 2,206 sqft · built 2007
Lot Size	0.456 acres (19,863 sqft)
Owner	2 Individual Names on File
Last Sale	$535,000 (Sep 2026)
Tax Bill	$6,810 (2026)
Deeds & Mortgages	Sep 2026 Sale & Mortgage Jul 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-46430-0123`

Property Details

APN / Parcel Number

Primary APN	`82-46430-0123`

Interior

Bedrooms	2 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	2,206 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	19,863 sqft (0.456 acres)
Lot Width	136 ft Width
Garage Area	1,358 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3598 WILDFLOWER RD S
City	SAINT CLOUD
State	MN
Zip	56301-6242
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 001 BLK 001 DEER CREEK CROSSING SEVEN 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 SEVEN
Legal Block	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	402

Owner

3598 Wildflower Rd S is owned and occupied by two individuals who bought it in September 2026.

Source: Stearns County records, as of October 13, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3598 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 28, 2026	Warranty Deed, Transfer · Conventional Mortgage ENVISION CAPITAL
Jul 29, 2026	Affidavit, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 28, 2026 · Amount on File
Deed Sale	Sep 28, 2026 · Amount on File
Deed Document Number	20261721679
Prior Transfer Date	Jul 29, 2026
Prior Transfer Doc	0001718146
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 28, 2026
Property Address	3598 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242
Document Number	0001721679
Instrument Date	Sep 25, 2026
Instrument	20261721679
Transaction Type	Transfer
Record Updated	Oct 13, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$178,315.50
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	3598 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242

Mortgage

Document Number	0001721680,
Date	Sep 28, 2026
Instrument	20261721680

Lender

Name	ENVISION CAPITAL

Agreement

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

Interest

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

July 2026: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	STEARNS MN
Recording Date	Jul 29, 2026
Property Address	3598 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242
Document Number	0001718146
Instrument Date	Jul 29, 2026
Instrument	20261718146
Transaction Type	Transfer
Record Updated	Aug 31, 2026

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

The 2026 property tax bill for 3598 Wildflower Rd S was $6,810.

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$6,810.00	$458,900 (-) Land $100,000 Building $358,900	$458,900 (-) Land $100,000 Building $358,900
2025		$458,900 Land $100,000 Building $358,900	$458,900 Land $100,000 Building $358,900
2024	$5,628.00 (+3.08%)
2023	$5,460.00	$421,300 Land $85,000 Building $336,300	$421,300 Land $85,000 Building $336,300

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

Flood

FEMA maps place 3598 Wildflower Rd 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

Wildfire risk around 3598 Wildflower Rd 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 96% of the US · lower than 86% 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.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

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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