Stearns County property record for 3720 3rd St N, Saint Cloud, MN 56303
| Property Type | Commercial |
|---|---|
| Details | 14,400 sqft · built 1971 |
| Lot Size | 1.41 acres (61,808 sqft) |
| Owner | Company Name on Record |
| Tax Bill | $27,076 (2026) |
| Deeds & Mortgages | Jun 2026 Construction Loan |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44310-0000 |
| Primary APN | 82-44310-0000 |
|---|
| Stories | 1 Story |
|---|---|
| Building Area | 14,400 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1971 |
|---|---|
| Effective Year Built | Effective 1971 |
| Exterior Material | Stone |
| Roof Material | Metal |
| Lot Area | 61,808 sqft (1.41 acres) |
| Lot Width | 250 ft Width |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 3720 3RD ST N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-4028 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Local Zoning Code | C5 |
| Legal Description | LESS PARCEL 21 STEARNS CO HWY R/W PLAT 17 BANKERS ADD SECTION 16 TOWNSHIP 124 RANGE 028 BANKERS ADD SECTION 16 TOWNSHIP 124 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 16 |
| Legal Subdivision | BANKERS ADD |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 601 |
Source: Stearns County records, 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 | Company Name on Record |
|---|---|
| Mailing Address | 108 2ND AVE S, SAUK RAPIDS, MN 56379-1410 |
| Owner Type | Company |
| Vesting | Company |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jun 8, 2026 |
| Property Address | 3720 3RD ST N, SAINT CLOUD, MN 56303-4028 |
| Document Number | 0001714647 |
| Instrument Date | Jun 3, 2026 |
| Instrument | 20261714647 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Relationship | Company, 103 |
| Document Number | 0001714647, |
|---|---|
| Date | Jun 8, 2026 |
| Instrument | 20261714647 |
| Name | FALCON NATIONAL BANK |
|---|
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 3 Months |
| Due | Sep 30, 2026 |
| Rate | 6.37% |
|---|---|
| Max Rate | -1% |
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 | $27,076.00 (+13.94%) | $878,000 (+4.9%) Land $347,000 Building $531,000 | $878,000 (+4.9%) Land $347,000 Building $531,000 |
| 2025 | $837,000 (+7.35%) Land $347,000 Building $490,000 | $837,000 (+7.35%) Land $347,000 Building $490,000 | |
| 2024 | $23,764.00 (+5.57%) | ||
| 2023 | $22,510.00 | $779,700 Land $347,000 Building $432,700 | $779,700 Land $347,000 Building $432,700 |
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 |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 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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