3659 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3659 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 1,313 sqft · built 1975
Lot Size	0.62 acres (27,007 sqft)
Owner	2 Individual Names on File
Tax Bill	$2,624 (2025)
Deeds & Mortgages	Feb 2018 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-402-0545`

Property Details

APN / Parcel Number

Primary APN	`25-402-0545`
Alternative APNs	`25-00402-0545` `17223`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Stories	4 Stories
Building Area	1,313 sqft Living Area
1st Floor Area	1,313 sqft
Basement Area	578 sqft
Finished Basement	578 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1986
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	27,007 sqft (0.62 acres)
Garage Type	Mixed
Garage Area	1,152 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	179 sqft
Deck Area	401 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	17223
Street Address	3659 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9532
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 9, BLK 5
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	5
Legal Lot Number	9
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

3659 12th Ave SE is owned and occupied by two individuals who acquired it in February 2018.

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

Owner of Record	2 Individual Names on File
Mailing Address	3659 12TH AVE SE, SAINT CLOUD, MN 56304-9532
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

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 13, 2018
Deed Sale	Feb 13, 2018
Deed Document Number	2018852066
Record Updated	Oct 29, 2026

February 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 13, 2018
Property Address	3659 12TH AVE SE, SAINT CLOUD, MN 56304-9532
Document Number	0000852066
Instrument Date	Feb 1, 2018
Instrument	852066
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3659 12TH AVE SE, SAINT CLOUD, MN 56304-9532

Mortgage

Document Number	0000852067
Date	Feb 13, 2018
Instrument	852067

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 3659 12th Ave SE was $2,624 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		$327,900 (-0.55%) Land $86,500 Building $241,400	$327,900 (-0.55%) Land $86,500 Building $241,400
2025	$2,624.00	$329,700 Land $86,500 Building $243,200	$329,700 Land $86,500 Building $243,200
2023	$2,428.00	$313,700 Land $76,500 Building $237,200
2021			$313,700 Land $76,500 Building $237,200

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

Flood

FEMA maps place 3659 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 3659 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	Indirect within ember reach
Adjoins Burnable Land	Yes

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 47 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Verizon.

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