402 Riverside Dr SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 402 Riverside Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.494 acres (21,555 sqft)
Owner	Individual Name on Record
Last Sale	$220,000 (Aug 2007)
Tax Bill	$5,492 (2026)
Deeds & Mortgages	Feb 2011 Mortgage Aug 2007 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`17.00560.00`

Property Details

APN / Parcel Number

Primary APN	`17.00560.00`

Interior

Units	4 Units

Exterior

Architectural Style	Multi-Family
Lot Area	21,555 sqft (0.494 acres)

Location & Zoning

Street Address	402 RIVERSIDE DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1032
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-36 TWP-036 RANGE-031 WRIGHT & BENSEN'S SUBD OF BLKS LOT-008 BLOCK-005 & LOT 9 BLK 5 & VAC 4TH AVE SE & LOTS 38 & 39 E OF
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	WRIGHT & BENSEN'S SUBD OF BLKS
Legal Block	5
Legal Lot Number	8
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5051
Census Tract	21201

Owner

Source: Benton County records, 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 Record
Mailing Address	402 RIVERSIDE DR SE, 1, SAINT CLOUD, MN 56304-1408
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 7, 2011	Deed of Trust, Mortgage · Commercial Mortgage BANK OF AMERICA NA
Aug 3, 2007	Trustee's Deed, Foreclosure · Commercial Mortgage COUNTRYWIDE BANK FSB

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 3, 2007 · Amount on Record
Deed Sale	Aug 3, 2007 · Amount on Record
Deed Document Number	20071350464
Prior Transfer Date	Jul 31, 2007
Prior Transfer Doc	0001350464
Record Updated	Oct 29, 2026

February 2011: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	402 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1032
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001379921
Date	Feb 7, 2011
Instrument	1379921

Lender

Name	BANK OF AMERICA NA
Type	Bank
Address	CHARLOTTE, NC 28255

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2041

August 2007: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BENTON MN
Recording Date	Aug 3, 2007
Property Address	402 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1032
Document Number	0001350464
Instrument Date	Jul 31, 2007
Instrument	1350464
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	915 7TH AVE N, SAINT CLOUD, MN 56303-2907

Mortgage

Document Number	0001350465
Date	Aug 3, 2007
Instrument	1350465

Lender

Name	COUNTRYWIDE BANK FSB
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	6.25%
Type Change Date	Aug 1, 2012
Change Frequency	Annually
Min Rate At Change	2.25%
Max Rate At Change	11.2%
Index	1-Year LIBOR
Max Rate	11.2%

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	$5,492.00 (+22.37%) Homeowner's exemption	$285,200 (-9.09%) Land $90,000 Building $195,200	$285,200 (-9.09%) Land $90,000 Building $195,200
2025	$4,488.00 (+24.6%) Homeowner's exemption	$313,700 (+17.49%) Land $90,000 Building $223,700	$313,700 (+17.49%) Land $90,000 Building $223,700
2023	$3,602.00	$267,000 Land $90,000 Building $177,000	$267,000 Land $90,000 Building $177,000

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	Under 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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