405 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 405 4th Ave NE, Saint Cloud, MN 56304 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	2 Individual Names on File
Last Sale	$139,000 (Aug 2020)
Tax Bill	$2,248 (2026)
Deeds & Mortgages	Nov 2025 Transfer Nov 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.00811.00`

Property Details

APN / Parcel Number

Primary APN	`17.00811.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	405 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-011 BLOCK-012
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	12
Legal Lot Number	11
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4021
Census Tract	21201

Owner

Source: Benton County records · APN 17.00811.00

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 Individual Names on File
Mailing Address	1204 4TH AVE NE, 436, WATFORD CITY, ND 58854-3521
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Nov 05, 2025	Intrafamily Transfer, Transfer
Nov 05, 2025	Transfer on Death Deed, Transfer
Aug 04, 2020	Warranty Deed, Transfer · Conventional Mortgage CARDINAL FINANCIAL COMPANY LP
Jan 17, 2020	Special Warranty Deed, Transfer SERVICELINK CRS, SERVICELINK LLC
Dec 05, 2018	Sheriff's Deed, Foreclosure
Nov 15, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 04, 2020 · Amount on Record
Deed Sale	Aug 04, 2020 · Amount on Record
Prior Sale	Jan 17, 2020 · Amount on Record
Deed Document Number	2020444799
Last Transfer Date	Nov 04, 2025
Transfer Doc	0000480284
Record Updated	Sep 20, 2026

November 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Nov 05, 2025
Property Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000480283
Instrument Date	Nov 04, 2025
Instrument	480283
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320

November 2025: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Nov 05, 2025
Property Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000480284
Instrument Date	Nov 04, 2025
Instrument	480284
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320

Transferred To (Grantee/Buyer)

Name	Verified Name

August 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 04, 2020
Property Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000444799
Instrument Date	Jul 27, 2020
Instrument	444799
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	EDGEWATER TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$458.70
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320

Mortgage

Document Number	0000444800
Date	Aug 04, 2020
Instrument	444800

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company
Address	CHARLOTTE, NC 28273

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 01, 2035

January 2020: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jan 17, 2020
Property Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000440868
Instrument Date	Nov 21, 2019
Instrument	440868
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	SERVICELINK CRS, SERVICELINK LLC

Transaction

Amount	Amount Recorded
Tax	$280.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	8950 CYPRESS WATERS BLVD, COPPELL, TX 75019-4620

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 2ND AVE NE, SAINT CLOUD, MN 56304-0407

December 2018: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BENTON MN
Recording Date	Dec 05, 2018
Property Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000433093
Instrument Date	Nov 27, 2018
Instrument	433093
Transaction Type	Foreclosure
Record Updated	Jan 20, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1603 LYNDON B JOHNSON FWY STE 500, 500, FARMERS BRANCH, TX 75234-6071
Investor	Possibly a Property Investor

November 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 15, 2017
Property Address	405 4TH AVE NE, SAINT CLOUD, MN 56304-0320
Document Number	0000426244
Instrument Date	Oct 30, 2017
Instrument	426244
Transaction Type	Transfer
Record Updated	Jan 20, 2026

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

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 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

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	$2,248.00 (+14.58%) Homeowner's exemption	$190,100 (+10.14%) Land $25,000 Building $165,100	$190,100 (+10.14%) Land $25,000 Building $165,100
2025	$1,962.00 (-2%)	$172,600 (+1.71%) Land $25,000 Building $147,600	$172,600 (+1.71%) Land $25,000 Building $147,600
2023	$2,002.00	$169,700 Land $25,000 Building $144,700	$169,700 Land $25,000 Building $144,700

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Benton County (27009C), updated July 29, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 327 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: BIF IV Intrepid HoldCo, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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