407 Cooper Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 407 Cooper Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1.5 ba · 1,100 sqft · built 1890
Lot Size	0.14 acres (6,098 sqft)
Owner	Individual Name on File
Last Sale	$160,000 (Jan 2024)
Tax Bill	$1,964 (2026)
Deeds & Mortgages	Jan 2024 Sale Mar 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-45776-0000`

Property Details

APN / Parcel Number

Primary APN	`82-45776-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,100 sqft Living Area
1st Floor Area	660 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	6,098 sqft (0.14 acres)
Lot Width	46 ft Width
Garage Area	216 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	407 COOPER AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3852
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 004 BLK 001 COATES, COOPER & FREEMAN'S ADD SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	COATES COOPER FREEMANS ADD
Legal Block	1
Legal Lot Number	4
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1007
Census Tract	602

Owner

407 Cooper Ave N is owned and occupied by an individual who bought it in January 2024.

Source: Stearns County records, as of September 9, 2026

Owner of Record	Individual Name on File
Mailing Address	407 COOPER AVE N, SAINT CLOUD, MN 56303-3852
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jan 22, 2024	Contract Sale, Transfer THE TITLE FIRM, THE TITLE TEAM
Mar 9, 2022	Quit Claim Deed, Transfer MISC COMPANY
Feb 17, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 19, 2024 · Amount on File
Deed Sale	Jan 19, 2024 · Amount on File
Prior Sale	Feb 17, 2021 · Amount on File
Deed Document Number	20241617545
Record Updated	Oct 29, 2026

January 2024: Contract Sale, Transfer

Document Type	Contract Sale
Jurisdiction	STEARNS MN
Recording Date	Jan 22, 2024
Property Address	407 COOPER AVE N, SAINT CLOUD, MN 56303-3852
Document Number	00A1666706
Instrument Date	Jan 19, 2024
Instrument	A1666706
Transaction Type	Transfer
Record Updated	Feb 13, 2024
Title Company	THE TITLE FIRM, THE TITLE TEAM

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 COOPER AVE N, SAINT CLOUD, MN 56303-3852
Investor	Possibly a Property Investor

March 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 9, 2022
Property Address	407 COOPER AVE N, SAINT CLOUD, MN 56303-3852
Document Number	00A1627899
Instrument Date	Mar 2, 2022
Instrument	A1627899
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7633 15TH AVE NE, RICE, MN 56367-9842

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 17, 2021
Property Address	407 COOPER AVE N, SAINT CLOUD, MN 56303-3852
Document Number	00A1594561
Instrument Date	Feb 5, 2021
Instrument	A1594561
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3541 RIVIERA RD, SARTELL, MN 56377-9761
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 407 Cooper Ave N was $1,964.

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$1,964.00	$131,900 (-) Land $25,000 Building $106,900	$131,900 (-) Land $25,000 Building $106,900
2025		$131,900 Land $25,000 Building $106,900	$131,900 Land $25,000 Building $106,900
2023	$1,512.00	$122,200 Land $25,000 Building $97,200	$122,200 Land $25,000 Building $97,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 407 Cooper Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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

The area around 407 Cooper Ave N has no burnable land within ember reach, so its wildfire risk is not rated.

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 515 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
CenturyLink DSL	140 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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