4020 90th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 4020 90th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,139 sqft · built 1997
Lot Size	20.2 acres (881,219 sqft)
Owner	2 Individual Names on Record
Last Sale	$98,000 (Apr 2021)
Tax Bill	$3,190 (2025)
Deeds & Mortgages	Apr 2021 Mortgage Apr 2021 Sale + 3 more
Flood Zone	Zone X (minimal risk)
APN	`40-020-2405`

Property Details

APN / Parcel Number

Primary APN	`40-020-2405`
Alternative APNs	`40-00020-2405` `2594`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Building Area	2,139 sqft Living Area
1st Floor Area	2,139 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	881,219 sqft (20.2 acres)
Garage Type	Attached
Garage Area	579 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	48 sqft
Deck Area	428 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	2594
Street Address	4020 90TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9754
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	THAT PART OF THE SOUTH HALF OF THE NORTHWEST QUARTER OF SECTION 20, TOWNSHIP 35, RANGE 29, SHERBURNE COUNTY, MINNESOTA, LYING
Legal Range	29W
Legal Township	35N
Legal Section	20
Jurisdiction	SHERBURNE MN
Township / Civil Division	PALMER
Census Block Group	2
Census Block	2014
Census Tract	30301

Owner

Source: Sherburne County records, as of September 15, 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	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2021	Quit Claim Deed, Transfer · Conventional Mortgage US BANK NA
Apr 9, 2021	Deed, Transfer
Dec 18, 2020	Quit Claim Deed, Transfer CASUSO TITLE SERVICES LLC, CASUSO TITLE SVCS LLC
Dec 18, 2020	Grant Deed, Transfer CUSTOM TITLE SERVICES, INC.
Oct 6, 2020	Loan Modification, Mortgage US BK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 9, 2021 · Amount on Record
Deed Sale	Apr 9, 2021 · Amount on Record
Prior Sale	Dec 18, 2020
Deed Document Number	2021916381
Prior Transfer Date	Mar 12, 2021
Prior Transfer Doc	0000916381
Record Updated	Oct 29, 2026

April 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 9, 2021
Property Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754
Document Number	0000916382
Instrument Date	Mar 15, 2021
Instrument	916382
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$1.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754

Mortgage

Document Number	0000916383
Date	Apr 9, 2021
Instrument	916383

Lender

Name	US BANK NA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

April 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 9, 2021
Property Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754
Document Number	0000916381
Instrument Date	Mar 12, 2021
Instrument	916381
Transaction Type	Transfer
Record Updated	Aug 16, 2021

Transaction

Amount	Amount Recorded
Tax	$323.40
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754

December 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Dec 18, 2020
Property Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754
Document Number	0000908035
Instrument Date	Dec 18, 2020
Instrument	908035
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	CASUSO TITLE SERVICES LLC, CASUSO TITLE SVCS LLC

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4020 90TH AVE SE ST CLOUD MN 563049754, ST CLOUD, MN 56304-9754

December 2020: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	SHERBURNE MN
Recording Date	Dec 18, 2020
Property Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754
Document Number	0000908033
Instrument Date	Dec 18, 2020
Instrument	908033
Transaction Type	Transfer
Record Updated	Jan 5, 2021
Title Company	CUSTOM TITLE SERVICES, INC.

Transaction

Amount	Amount Recorded
Tax	$2.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	4020 90TH AVE SE ST CLOUD MN 563049754, ST CLOUD, MN 56304-9754

October 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHERBURNE MN
Property Address	4020 90TH AVE SE, SAINT CLOUD, MN 56304-9754
Document Number	0000908036
Instrument Date	Oct 6, 2020
Transaction Type	Mortgage
Record Updated	Jan 5, 2021
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4020 90TH AVE SE ST CLOUD MN 563049754, ST CLOUD, MN 56304-9754

Mortgage

Document Number	0000908036
Date	Dec 18, 2020
Instrument	908036

Lender

Name	US BK
Type	Bank
Address	OWENSBORO, KY 42301

Agreement

Amount	Amount Recorded

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Palmer Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$111,500 (+15.54%) Land $111,500	$111,500 (+15.54%) Land $111,500
2025	$3,190.00 (+1.4%)	$96,500 (+30.58%) Land $96,500	$96,500 (+30.58%) Land $96,500
2023	$3,146.00	$73,900 Land $73,900
2021			$73,900 Land $73,900

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 November 16, 2011 · 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	8 in force
Nearby Flood Claims	5 (2022–2023)
Most Recent Claim	Apr 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2023 · 2 claims Severe Storms, Straight-line Winds, And Flooding, May 2022 · 3 claims

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

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

Wildfire Risk	Low lower than 63% of the US · above 65% of Minnesota
Wildfire Likelihood	0.05% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
Verizon Fixed Wireless	25 / 6

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