Benton County property record for 404 5th Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.284 acres (12,399 sqft) |
| Owner | 2 Company Names on File |
| Last Sale | $118,000 (Sep 2012) |
| Tax Bill | $3,842 (2026) |
| Deeds & Mortgages | Nov 2025 Mortgage Oct 2021 Second Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01023.00 |
| Primary APN | 17.01023.00 |
|---|
| Lot Area | 12,399 sqft (0.284 acres) |
|---|
| Street Address | 404 5TH AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0325 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-007 BLOCK-031 & LOT 8 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 35 |
| Legal Subdivision | ST CLOUD PARK |
| Legal Block | 31 |
| Legal Lot Number | 7-8 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.01023.00
Assessment roll updated July 16, 2026 · Last verified July 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Company Names on File |
|---|---|
| Mailing Address | 404 5TH AVE NE, SAINT CLOUD, MN 56304-0325 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Nov 12, 2025 | Intrafamily Transfer, Transfer · Conventional Mortgage ST CLOUD FCU |
| Oct 26, 2021 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage ST CLOUD FCU |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Sep 07, 2012 · Amount on Record |
| Deed Sale | Sep 07, 2012 · Amount on Record |
| Deed Document Number | 2012391100 |
| Last Transfer Date | Oct 24, 2025 |
| Transfer Doc | 0000480402 |
| Record Updated | Sep 20, 2026 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Nov 12, 2025 |
| Property Address | 404 5TH AVE NE, SAINT CLOUD, MN 56304-0325 |
| Document Number | 0000480402 |
| Instrument Date | Oct 24, 2025 |
| Instrument | 480402 |
| Transaction Type | Transfer |
| Record Updated | Dec 02, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 404 5TH AVE NE, SAINT CLOUD, MN 56304-0325 |
| Document Number | 0000480403 |
|---|---|
| Date | Nov 12, 2025 |
| Instrument | 480403 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 179 Months |
| Due | Oct 29, 2040 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 404 5TH AVE NE, SAINT CLOUD, MN 56304-0325 |
| Transaction Type | Mortgage |
| Record Updated | Nov 18, 2021 |
| Name | Verified Name |
|---|---|
| Address | 404 5TH AVE NE, SAINT CLOUD, MN 56304-0325 |
| Document Number | 456285 |
|---|---|
| Date | Oct 26, 2021 |
| Instrument | 456285 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 121 Months |
| Due | Nov 20, 2031 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,842.00 (+7.56%) Homeowner's exemption | $211,100 (+12.59%) Land $30,000 Building $181,100 | $211,100 (+12.59%) Land $30,000 Building $181,100 |
| 2025 | $3,572.00 (-1.92%) | $187,500 (+1.68%) Land $30,000 Building $157,500 | $187,500 (+1.68%) Land $30,000 Building $157,500 |
| 2023 | $3,642.00 | $184,400 Land $30,000 Building $154,400 | $184,400 Land $30,000 Building $154,400 |
Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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: Lumen Technologies.
Based on FCC filings for 263 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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