3612 3rd St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 3612 3rd St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 864 sqft · built 1962
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on File
Last Sale	$110,000 (Nov 2020)
Tax Bill	$1,900 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-46216-0000`

Property Details

APN / Parcel Number

Primary APN	`82-46216-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	864 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Lot Area	7,405 sqft (0.17 acres)
Lot Width	66 ft Width
Garage Area	432 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3612 3RD ST N
City	SAINT CLOUD
State	MN
Zip	56303-4026
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 6,7,& 8 BLK 4 LESS PARCEL 26 STEARNS CO HWY R/W PLAT 17 COTTAGE PLACE ADD SECTION 16 TOWNSHIP 124 RANGE 028 COTTAGE
Legal Range	28W
Legal Township	124
Legal Section	16
Legal Subdivision	COTTAGE PLACE ADD
Legal Block	4
Legal Lot Number	6-7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	601

Owner

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	3612 3RD ST N, SAINT CLOUD, MN 56303-4026
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2026	Deed of Trust, Mortgage · Line of Credit NONE LISTED ON DOCUMENT
Nov 3, 2020	Warranty Deed, Subdivision Related Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 3, 2020 · Amount on Record
Deed Sale	Nov 3, 2020 · Amount on Record
Deed Document Number	20201584867
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 7, 2026
Property Address	3612 3RD ST N, SAINT CLOUD, MN 56303-4026
Document Number	0001710865
Instrument Date	Mar 28, 2026
Instrument	20261710865
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 3RD ST N, SAINT CLOUD, MN 56303-4026

Mortgage

Document Number	0001710865,
Date	Apr 7, 2026
Instrument	20261710865

Lender

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	360 Months
Due	Mar 28, 2056

Interest

Rate	5.98%
Max Rate	-1%

November 2020: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 3, 2020
Property Address	3612 3RD ST N, SAINT CLOUD, MN 56303-4026
Document Number	00A1584867
Instrument Date	Oct 9, 2020
Instrument	A1584867
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3612 3RD ST N, SAINT CLOUD, MN 56303-4026

Tax Assessment & Valuation

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	$1,900.00 (+19.05%)	$145,000 (-) Land $25,000 Building $120,000	$145,000 (-) Land $25,000 Building $120,000
2025		$145,000 (+4.09%) Land $25,000 Building $120,000	$145,000 (+4.09%) Land $25,000 Building $120,000
2023	$1,596.00	$139,300 Land $25,000 Building $114,300	$139,300 Land $25,000 Building $114,300

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

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Xtratyme Technologies.

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