3880 21st Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 3880 21st Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,182 sqft · built 2007
Lot Size	0.24 acres (10,454 sqft)
Owner	2 Individual Names on File
Last Sale	$335,000 (Jun 2026)
Tax Bill	$3,834 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-50744-0671`

Property Details

APN / Parcel Number

Primary APN	`82-50744-0671`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	1 Room
Building Area	1,182 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	10,454 sqft (0.24 acres)
Lot Width	77 ft Width
Garage Area	716 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	3880 21ST AVE S
City	SAINT CLOUD
State	MN
Zip	56301-8937
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD73
Legal Description	LOT 015 BLK 005 SOMMERSBY PLAT 2 SECTION 34 TOWNSHIP 124 RANGE 028 SECTION 34 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	34
Legal Subdivision	SOMMERSBY PLAT 2
Legal Block	5
Legal Lot Number	15
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1017
Census Tract	402

Owner

3880 21st Ave S is owned and occupied by two individuals who bought it in June 2026.

Source: Stearns County records, as of June 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3880 21ST AVE S, SAINT CLOUD, MN 56301-8937
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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	Jun 4, 2026 · Amount on File
Deed Sale	Jun 4, 2026 · Amount on File
Prior Sale	Mar 26, 2015 · Amount on File
Deed Document Number	20261714410
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 4, 2026
Property Address	3880 21ST AVE S, SAINT CLOUD, MN 56301-8937
Document Number	0001714410
Instrument Date	May 29, 2026
Instrument	20261714410
Transaction Type	Transfer
Record Updated	Jun 17, 2026
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SERVICES

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$111,655.50
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	3880 21ST AVE S, SAINT CLOUD, MN 56301-8937

Mortgage

Document Number	0001714411,
Date	Jun 4, 2026
Instrument	20261714411

Lender

Name	4TRUST MORTGAGE INC

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2056

Interest

Rate	6.23%
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 3880 21st Ave S was $3,834 with a homeowner's exemption, up 19.1% from the year before.

Source: Stearns County assessment roll, as of November 6, 2025

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	$3,834.00 (+19.07%)
2025	$3,220.00 Homeowner's exemption	$277,900 Land $100,000 Building $177,900	$277,900 Land $100,000 Building $177,900
2023	$2,984.00	$261,700 Land $50,000 Building $211,700	$261,700 Land $50,000 Building $211,700

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

Flood

FEMA maps place 3880 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 3880 21st Ave S is moderate, ranking above 42% 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 42% of the US · above 72% 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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