3690 21st Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 3690 21st Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 2,754 sqft · built 2018
Lot Size	0.37 acres (16,117 sqft)
Owner	Trust Name on File
Last Sale	$550,000 (Aug 2018)
Tax Bill	$9,812 (2026)
Deeds & Mortgages	Jan 2025 Foreclosure Nov 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-50744-0733`

Property Details

APN / Parcel Number

Primary APN	`82-50744-0733`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	7 Rooms
Stories	1 Story
Building Area	2,754 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2018
Effective Year Built	Effective 2018
Lot Area	16,117 sqft (0.37 acres)
Lot Width	101 ft Width
Garage Area	1,327 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3690 21ST AVE S
City	SAINT CLOUD
State	MN
Zip	56301-8935
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 BLK 2 SOUTHFORK & LOT 2 BLK 5 SOMMERSBY PLAT 2 SOMMERSBY PLAT 2, SOUTHFORK SECTION 34 TOWNSHIP 124 RANGE 028 SOMMERSBY
Legal Range	28W
Legal Township	124
Legal Section	34
Legal Subdivision	SOMMERSBY PLAT 2
Legal Block	2,5
Legal Lot Number	10,2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	402

Owner

3690 21st Ave S is owner-occupied and held in a trust since January 2025.

Source: Stearns County records, as of July 30, 2026

Owner of Record	Trust Name on File
Mailing Address	3690 21ST AVE S, SAINT CLOUD, MN 56301-8935
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

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
Jan 31, 2025	Trustee's Deed, Foreclosure
Nov 5, 2020	Quit Claim Deed, Transfer Quitclaim
Aug 9, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 9, 2018 · Amount on File
Deed Sale	Aug 9, 2018 · Amount on File
Deed Document Number	20181526611
Last Transfer Date	Jan 21, 2025
Transfer Doc	00A1686564
Record Updated	Sep 20, 2026

January 2025: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 31, 2025
Property Address	3690 21ST AVE S, SAINT CLOUD, MN 56301-8935
Document Number	00A1686564
Instrument Date	Jan 21, 2025
Instrument	A1686564
Transaction Type	Foreclosure
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3690-21ST AVE S, SAINT CLOUD, MN 56301-8935

November 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 5, 2020
Property Address	3690 21ST AVE S, SAINT CLOUD, MN 56301-8935
Document Number	00A1585287
Instrument Date	Oct 26, 2020
Instrument	A1585287
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	3690 21ST AVE S, SAINT CLOUD, MN 56301-8935

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 9, 2018
Property Address	3690 21ST AVE S, SAINT CLOUD, MN 56301-8935
Document Number	00A1526611
Instrument Date	Aug 9, 2018
Instrument	A1526611
Transaction Type	Transfer
Record Updated	Nov 6, 2025

Transaction

Amount	Amount on Record
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
Relationship	Joint Tenants
Address	3690 21ST AVE S, SAINT CLOUD, MN 56301-8935

Tax Assessment & Valuation

The 2026 property tax bill for 3690 21st Ave S was $9,812.

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	$9,812.00	$631,200 (-) Land $100,000 Building $531,200	$631,200 (-) Land $100,000 Building $531,200
2025		$631,200 Land $100,000 Building $531,200	$631,200 Land $100,000 Building $531,200
2024	$8,034.00 (+3.24%)
2023	$7,782.00	$582,900 Land $75,000 Building $507,900	$582,900 Land $75,000 Building $507,900

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

Flood

FEMA maps place 3690 21st Ave 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 3690 21st Ave S is moderate, ranking above 43% of the US, with a 0.05% annual chance of wildfire.

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

Wildfire Risk	Moderate above 43% of the US · above 73% of Minnesota
Wildfire Likelihood	0.05% annual chance
Exposure	Direct burnable vegetation

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 76 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: Verizon.

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