407 2nd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 407 2nd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.145 acres (6,323 sqft)
Owner	Individual Name on Record
Last Sale	$150,000 (Mar 2024)
Tax Bill	$2,364 (2026)
Deeds & Mortgages	Oct 2025 Line of Credit Mar 2024 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00732.00`

Property Details

APN / Parcel Number

Primary APN	`17.00732.00`

Exterior

Lot Area	6,323 sqft (0.145 acres)

Location & Zoning

Street Address	407 2ND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-011 BLOCK-004
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	4
Legal Lot Number	11
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4008
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	PO BOX 120, SARTELL, MN 56377-0120
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Deed of Trust, Mortgage · Line of Credit SENTRY BANK
Mar 11, 2024	Warranty Deed, Transfer · Commercial Mortgage SENTRY BANK
Mar 11, 2024	Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 11, 2024 · Amount on Record
Deed Sale	Mar 11, 2024 · Amount on Record
Deed Document Number	2024470783
Record Updated	Sep 20, 2026

October 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	407 2ND AVE NE, SAINT CLOUD, MN 56304-0303
Transaction Type	Mortgage
Record Updated	Oct 31, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 120, SARTELL, MN 56377-0120

Mortgage

Document Number	0000479824
Date	Oct 10, 2025
Instrument	479824

Lender

Name	SENTRY BANK
Type	Bank
Address	SAINT JOSEPH, MN 56374

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	60 Months
Due	Oct 6, 2030

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

March 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 11, 2024
Property Address	407 2ND AVE NE, SAINT CLOUD, MN 56304-0303
Document Number	0000470783
Instrument Date	Mar 5, 2024
Instrument	470783
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	PO BOX 120, SARTELL, MN 56377-0120

Mortgage

Document Number	0000470784
Date	Mar 11, 2024
Instrument	470784

Lender

Name	SENTRY BANK
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 5, 2029

March 2024: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BENTON MN
Recording Date	Mar 11, 2024
Property Address	407 2ND AVE NE, SAINT CLOUD, MN 56304-0303
Document Number	0000470782
Instrument Date	Mar 5, 2024
Instrument	470782
Transaction Type	Transfer
Record Updated	Mar 29, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

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

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	$2,364.00 (+24.29%) Homeowner's exemption	$164,200 (+8.38%) Land $25,000 Building $139,200	$164,200 (+8.38%) Land $25,000 Building $139,200
2025	$1,902.00 (-7.04%) Homeowner's exemption	$151,500 (-8.51%) Land $25,000 Building $126,500	$151,500 (-8.51%) Land $25,000 Building $126,500
2023	$2,046.00	$165,600 Land $25,000 Building $140,600	$165,600 Land $25,000 Building $140,600

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	Not rated no burnable land within 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 327 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

May also be available: Intrepid Fiber Networks.

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