405 Birch Dr SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 405 Birch Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.344 acres (14,996 sqft)
Owner	Individual Name on Record
Last Sale	$132,000 (Oct 2018)
Tax Bill	$2,164 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit May 2026 Transfer + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17.01212.00`

Property Details

APN / Parcel Number

Primary APN	`17.01212.00`

Exterior

Lot Area	14,996 sqft (0.344 acres)

Location & Zoning

Street Address	405 BIRCH DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS-2ND ADDN LOT-005 BLOCK-003
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	3
Legal Lot Number	5
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3007
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	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Single

Deeds, Mortgages & Sale History

Date	Document
Jun 24, 2026	Deed of Trust, Mortgage · Line of Credit LIBERTY BANK
May 15, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Apr 20, 2021	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK MINNESOTA
Dec 3, 2018	Intrafamily Transfer, Transfer WHEATLAND TITLE, HEARTLAND TITLE
Oct 1, 2018	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 1, 2018 · Amount on Record
Deed Sale	Oct 1, 2018 · Amount on Record
Deed Document Number	2018431987
Last Transfer Date	May 8, 2026
Transfer Doc	0000483353
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jun 24, 2026
Property Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Document Number	0000484117
Instrument Date	Jun 18, 2026
Instrument	2026484117
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316

Mortgage

Document Number	0000484117,
Date	Jun 24, 2026
Instrument	2026484117

Lender

Name	LIBERTY BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Jun 15, 2031

Interest

Rate	6.51%
Max Rate	-1%

May 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	May 15, 2026
Property Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Document Number	0000483353
Instrument Date	May 8, 2026
Instrument	2026483353
Transaction Type	Transfer
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Quitclaim

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Transaction Type	Mortgage
Record Updated	May 18, 2021
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	451587
Date	Apr 20, 2021
Instrument	451587

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	May 1, 2041

December 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Dec 3, 2018
Property Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Document Number	433048
Instrument Date	Nov 30, 2018
Instrument	433048
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

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 BIRCH DR SE, SAINT CLOUD, MN 56304-1316

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 1, 2018
Property Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Document Number	431987
Instrument Date	Sep 28, 2018
Instrument	431987
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	WHEATLAND TITLE, HEARTLAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$435.60
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 BIRCH DR SE, SAINT CLOUD, MN 56304-1316

Mortgage

Document Number	431988
Date	Oct 1, 2018
Instrument	431988

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

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	$2,164.00 (+12.01%) Homeowner's exemption	$167,700 (-) Land $40,000 Building $127,700	$167,700 (-) Land $40,000 Building $127,700
2025	$1,932.00 (+5.11%) Homeowner's exemption	$167,700 (-) Land $40,000 Building $127,700	$167,700 (-) Land $40,000 Building $127,700
2023	$1,838.00	$167,700 Land $40,000 Building $127,700	$167,700 Land $40,000 Building $127,700

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
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 96% of the US · lower than 86% 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 149 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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