401 5th Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 401 5th Ave S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,488 sqft · built 1905
Lot Size	0.17 acres (7,405 sqft)
Owner	2 Individual Names on Record
Last Sale	$192,000 (Feb 2025)
Tax Bill	$2,204 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Apr 2024 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-52064-0000`

Property Details

APN / Parcel Number

Primary APN	`82-52064-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Half Baths	2 Half Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,488 sqft Living Area
1st Floor Area	1,244 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1905
Effective Year Built	Effective 1905
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Width	55 ft Width
Garage Area	280 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	401 5TH AVE S
City	SAINT CLOUD
State	MN
Zip	56301-4349
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R3A
Legal Description	LOT 001 BLK 039 CURTIS SURVEY ADD SECTION 14 TOWNSHIP 124 RANGE 028 SECTION 14 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	14
Legal Subdivision	CURTIS SURVEY ADD
Legal Block	39
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1010
Census Tract	303

Owner

Source: Stearns County records, as of July 10, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	401 5TH AVE S, SAINT CLOUD, MN 56301-4349
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jul 10, 2026	Warranty Deed, Transfer · FHA Mortgage LAKE AREA MORTGAGE
Apr 25, 2024	Contract Sale, Transfer FIRST AMERICAN TITLE
Oct 12, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 12, 2025 · Amount on Record
Deed Sale	Feb 12, 2025 · Amount on Record
Prior Sale	Apr 12, 2024 · Amount on Record
Deed Document Number	20251687066
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 10, 2026
Property Address	401 5TH AVE S, SAINT CLOUD, MN 56301-4349
Document Number	0001716763
Instrument Date	Jul 7, 2026
Instrument	20261716763
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	TITLE ESCROW, UNIQUE TITLE AND ESCROW

Transaction

Amount	Amount Recorded
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	Tenants in Common
Address	401 5TH AVE S, SAINT CLOUD, MN 56301-4349

Mortgage

Document Number	0001716763,
Date	Jul 10, 2026
Instrument	20261716763

Lender

Name	LAKE AREA MORTGAGE

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate	6.53%
Max Rate	-1%

April 2024: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	STEARNS MN
Recording Date	Apr 25, 2024
Property Address	401 5TH AVE S, SAINT CLOUD, MN 56301-4349
Document Number	00A1671051
Instrument Date	Apr 12, 2024
Instrument	A1671051
Transaction Type	Transfer
Record Updated	May 21, 2024
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	401 5TH AVE S, SAINT CLOUD, MN 56301-4349

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 12, 2018
Property Address	401 5TH AVE S, SAINT CLOUD, MN 56301-4349
Document Number	00A1531158
Instrument Date	Oct 2, 2018
Instrument	A1531158
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
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
Address	230 6TH AVE N, SAINT CLOUD, MN 56303-4818

Tax Assessment & Valuation

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	$2,204.00 (-49.4%)
2025		$176,400 (+3.83%) Land $40,000 Building $136,400	$176,400 (+3.83%) Land $40,000 Building $136,400
2023	$4,356.00	$169,900 Land $25,000 Building $144,900	$169,900 Land $25,000 Building $144,900

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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 252 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
Starlink Satellite	280 / 30

May also be available: AT&T, CenturyLink, Intrepid Fiber Networks, T-Mobile.

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