401 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 401 4th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on File
Last Sale	$190,000 (Apr 2021)
Tax Bill	$3,562 (2026)
Deeds & Mortgages	Apr 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00809.00`

Property Details

APN / Parcel Number

Primary APN	`17.00809.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	401 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0320
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-009 BLOCK-012
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	12
Legal Lot Number	9
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4021
Census Tract	21201

Owner

Source: Benton County assessment roll, as of July 16, 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 File
Mailing Address	401 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2021 · Amount on Record
Deed Sale	Apr 15, 2021 · Amount on Record
Deed Document Number	2021451479
Prior Transfer Date	Jun 26, 2013
Prior Transfer Doc	397804
Record Updated	Sep 20, 2026

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Apr 15, 2021
Property Address	401 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000451479
Instrument Date	Apr 6, 2021
Instrument	451479
Transaction Type	Transfer
Record Updated	Apr 6, 2022
Title Company	MINNESOTA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	401 4TH AVE NE, SAINT CLOUD, MN 56304-0320

Mortgage

Document Number	0000451480
Date	Apr 15, 2021
Instrument	451480

Lender

Name	BAY EQUITY LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2051

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$3,562.00 (+54.87%) Homeowner's exemption	$193,500 (+8.59%) Land $25,000 Building $168,500	$193,500 (+8.59%) Land $25,000 Building $168,500
2025	$2,300.00 (+10.47%) Homeowner's exemption	$178,200 (+1.71%) Land $25,000 Building $153,200	$178,200 (+1.71%) Land $25,000 Building $153,200
2023	$2,082.00	$175,200 Land $25,000 Building $150,200	$175,200 Land $25,000 Building $150,200

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 July 29, 2019

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	Not rated no burnable land within ember reach

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: BIF IV Intrepid HoldCo.

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