3905 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 3905 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Rural Home
Details	3 bd · 3 ba · 2,841 sqft · built 2009
Lot Size	28.2 acres (1,228,828 sqft)
Owner	2 Individual Names on File
Last Sale	$79,000 (Jun 2009)
Tax Bill	$7,500 (2026)
Deeds & Mortgages	May 2022 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`09.00607.00`

Property Details

APN / Parcel Number

Primary APN	`09.00607.00`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	1 Story
Building Area	2,841 sqft Living Area
1st Floor Area	2,841 sqft
Flooring	Hardwood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2011
Architectural Style	Patio Home
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	1,228,828 sqft (28.2 acres)
Garage Area	1,376 sqft
Shed	1 Shed
Shed Area	320 sqft
Pole Barn	768 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Radiant

Location & Zoning

Street Address	3905 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-9801
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	SECT-33 TWP-036 RANGE-030 28.21 AC E 27.71 ACRES OF SE1/4 NW1/4 & PART COMM AT SW CORNER OF SW1/4 NE1/4 TH E 16.50 FT TH N
Legal Range	030
Legal Township	036
Legal Section	33
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2075
Census Tract	20300

Owner

3905 2nd St SE, a rural home, is owned and occupied by two individuals who acquired it in January 2023.

Source: Benton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	3905 2ND ST SE, SAINT CLOUD, MN 56304-9801
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	Jun 10, 2009 · Amount on File
Deed Sale	Jun 10, 2009 · Amount on File
Deed Document Number	20091366556
Last Transfer Date	Jan 9, 2023
Transfer Doc	0000464612
Record Updated	Sep 20, 2026

May 2022: Commissioner's Deed, Foreclosure

Document Type	Commissioner's Deed
Jurisdiction	BENTON MN
Recording Date	May 27, 2022
Property Address	3905 2ND ST SE, SAINT CLOUD, MN 56304-9801
Document Number	0000460836
Instrument Date	May 27, 2022
Instrument	460836
Transaction Type	Foreclosure
Record Updated	Jan 20, 2026
Title Company	BOONE COUNTY ABSTRACT AND TITLE, BENTON COUNTY ABSTRACT & TTL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Foreclosure Auction

Transferred From (Grantor/Seller)

Name	Verified Name
Address	600 ROBERT ST # N4TH, N4TH, SAINT PAUL, MN 55146-6000

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	3905 2ND ST SE, SAINT CLOUD, MN 56304-9801
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 3905 2nd St SE was $7,500, up 6.5% from the year before.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
County Subdivision	Minden Township
Unified School District	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$7,500.00 (+6.53%)	$785,800 (+5.34%) Land $129,900 Building $655,900	$785,800 (+5.34%) Land $129,900 Building $655,900
2025	$7,040.00	$746,000 Land $121,900 Building $624,100	$746,000 Land $121,900 Building $624,100
2023	$5,980.00	$702,100 Land $119,800 Building $582,300	$702,100 Land $119,800 Building $582,300

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

Flood

FEMA maps place 3905 2nd St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 3905 2nd St 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 67% of the US · above 57% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	None beyond ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
Verizon Fixed Wireless	300 / 20