3690 13th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 3690 13th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,184 sqft · built 1978
Lot Size	0.85 acres (37,026 sqft)
Owner	Individual Name on Record
Last Sale	$304,000 (Jun 2023)
Tax Bill	$2,772 (2025)
Deeds & Mortgages	Jul 2026 Mortgage Jun 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-402-0530`

Property Details

APN / Parcel Number

Primary APN	`25-402-0530`
Alternative APNs	`25-00402-0530` `17220`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,184 sqft Living Area
1st Floor Area	1,184 sqft
Basement Area	624 sqft
Finished Basement	624 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1981
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	37,026 sqft (0.85 acres)
Garage Type	Attached
Garage Area	589 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	40 sqft
Deck Area	96 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	17220
Street Address	3690 13TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9535
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 6, BLK 5
Legal Range	31W
Legal Township	35N
Legal Section	13
Legal Subdivision	VALLEY VIEW FIRST ADDITION
Legal Block	5
Legal Lot Number	6
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	31500

Owner

Source: Sherburne County records, as of September 15, 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 Record
Mailing Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 16, 2026	Deed of Trust, Mortgage · VA Mortgage VILLAGE CAPITAL
Jun 9, 2023	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Nov 26, 2019	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK
May 30, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 5, 2023 · Amount on Record
Deed Sale	Jun 5, 2023 · Amount on Record
Prior Sale	Nov 26, 2019 · Amount on Record
Deed Document Number	20231542361
Record Updated	Oct 29, 2026

July 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Recording Date	Jul 16, 2026
Property Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535
Document Number	0001000451
Instrument Date	Jul 7, 2026
Instrument	20261000451
Transaction Type	Mortgage
Record Updated	Jul 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535

Mortgage

Document Number	0001000451,
Date	Jul 16, 2026
Instrument	20261000451

Lender

Name	VILLAGE CAPITAL

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.52%
Max Rate	-1%

June 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 9, 2023
Property Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535
Document Number	0000957700
Instrument Date	Jun 5, 2023
Instrument	957700
Transaction Type	Transfer
Record Updated	Jun 21, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,003.20
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535

Mortgage

Document Number	0000957701
Date	Jun 9, 2023
Instrument	957701

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2053

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Nov 26, 2019
Property Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535
Document Number	0000882732
Instrument Date	Nov 15, 2019
Instrument	882732
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$800.25
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535

Mortgage

Document Number	0000882733
Date	Nov 26, 2019
Instrument	882733

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Dec 1, 2049

Interest

Rate Type	Fixed Rate

May 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 30, 2019
Property Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535
Document Number	0000872625
Instrument Date	May 24, 2019
Instrument	872625
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.45
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3690 13TH AVE SE, SAINT CLOUD, MN 56304-9535

Mortgage

Document Number	0000872626
Date	May 30, 2019
Instrument	872626

Lender

Name	AMERICAN NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	36 Months
Due	May 24, 2022

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

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		$316,300 (-4.79%) Land $100,800 Building $215,500	$316,300 (-4.79%) Land $100,800 Building $215,500
2025	$2,772.00 (+10.09%)	$332,200 (+1.13%) Land $100,800 Building $231,400	$332,200 (+1.13%) Land $100,800 Building $231,400
2023	$2,518.00	$328,500 Land $92,800 Building $235,700
2021			$328,500 Land $92,800 Building $235,700

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 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

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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