Stearns County property record for 3603 W Division St, Saint Cloud, MN 56301
| Property Type | Commercial |
|---|---|
| Details | 3,552 sqft · built 1988 |
| Lot Size | 0.219 acres (9,531 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $9,530 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-47086-0000 |
| Primary APN | 82-47086-0000 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 3,552 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Exterior Material | Block |
| Lot Area | 9,531 sqft (0.219 acres) |
| Lot Width | 106 ft Width |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 3603 W DIVISION ST |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-3745 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C5 |
| Legal Description | E106' OF S 33' OF W2 OF LOT 8 & E 106' OF W2 OF LOT 9 LESS S'LY 870 SQ FT FOR HWY LESS THAT PT WITHIN HWY 23 ROW PLAT 73-38 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 16 |
| Legal Subdivision | GARDEN ACRES ADD |
| Legal Block | 1 |
| Legal Lot Number | 8-9 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 601 |
Source: Stearns County assessment roll, as of July 30, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3603 W DIVISION ST, SAINT CLOUD, MN 56301-3745 |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
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 | $9,530.00 (+13.26%) | $350,000 (+5.11%) Land $180,000 Building $170,000 | $350,000 (+5.11%) Land $180,000 Building $170,000 |
| 2025 | $333,000 (+7.49%) Land $180,000 Building $153,000 | $333,000 (+7.49%) Land $180,000 Building $153,000 | |
| 2024 | $8,414.00 (+9.87%) | ||
| 2023 | $7,658.00 | $309,800 Land $180,000 Building $129,800 | $309,800 Land $180,000 Building $129,800 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 56 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Starlink Satellite | 280 / 30 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: AT&T, BIF IV Intrepid HoldCo, Spectrum, Verizon.
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