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

Benton County property record for 408 Birch Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.55 acres (23,993 sqft)
Owner	Individual Name on File
Last Sale	$250,000 (Oct 2021)
Tax Bill	$10 (2026)
Deeds & Mortgages	Oct 2021 Sale & Mortgage Sep 2021 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17.01200.00`

Property Details

APN / Parcel Number

Primary APN	`17.01200.00`

Exterior

Lot Area	23,993 sqft (0.55 acres)

Location & Zoning

Street Address	408 BIRCH DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1315
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS-2ND ADDN LOT-009 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	2
Legal Lot Number	9
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	21201

Owner

408 Birch Dr SE is owned and occupied by an individual who bought it in October 2021.

Source: Benton County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	408 BIRCH DR SE, SAINT CLOUD, MN 56304-1315
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
Oct 28, 2021	Warranty Deed, Transfer · VA Mortgage CARDINAL FINANCIAL COMPANY LP
Sep 7, 2021	Deed of Trust, Mortgage · Line of Credit RANDALL STATE BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 28, 2021 · Amount on File
Deed Sale	Oct 28, 2021 · Amount on File
Prior Sale	Dec 1, 2014 · Amount on File
Deed Document Number	2021456398
Record Updated	Sep 20, 2026

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 28, 2021
Property Address	408 BIRCH DR SE, SAINT CLOUD, MN 56304-1315
Document Number	456398
Instrument Date	Oct 21, 2021
Instrument	456398
Transaction Type	Transfer
Record Updated	Nov 24, 2021
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$825.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 BIRCH DR SE, SAINT CLOUD, MN 56304-1315

Mortgage

Document Number	0000456399
Date	Oct 28, 2021
Instrument	456399

Lender

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

Agreement

Type	VA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	408 BIRCH DR SE, SAINT CLOUD, MN 56304-1315
Transaction Type	Mortgage
Record Updated	Sep 23, 2021
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	408 BIRCH DR SE, SAINT CLOUD, MN 56304-1315

Mortgage

Document Number	455119
Date	Sep 7, 2021
Instrument	455119

Lender

Name	RANDALL STATE BANK
Type	Bank
Address	RANDALL, MN 56475

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	11 Months
Due	Aug 24, 2022

Tax Assessment & Valuation

The 2026 property tax bill for 408 Birch Dr SE was $10 with a homeowner's exemption.

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	$10.00 Homeowner's exemption	$224,200 Land $45,000 Building $179,200	$224,200 Land $45,000 Building $179,200
2023	$10.00	$224,200 Land $45,000 Building $179,200	$224,200 Land $45,000 Building $179,200

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

Flood

FEMA maps place 408 Birch Dr SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 408 Birch Dr SE is low, with a 0.02% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	0.02% 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 98 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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