Stearns County property record for 409 3rd Ave NE, Saint Stephen, MN 56375
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1.5 ba · 1,088 sqft · built 1989 |
| Lot Size | 0.507 acres (22,100 sqft) |
| Owner | 2 Individual Names on Record |
| Tax Bill | $2,808 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-55927-0005 |
| Primary APN | 90-55927-0005 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,088 sqft Living Area |
| Gross Area | 1,459 sqft |
| 1st Floor Area | 512 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1989 |
|---|---|
| Effective Year Built | Effective 1995 |
| Architectural Style | Split Level |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 22,100 sqft (0.507 acres) |
| Lot Dimensions | 130 ft deep x 170 ft wide |
| Garage Type | Attached |
| Garage Area | 840 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 409 3RD AVE NE |
|---|---|
| City | SAINT STEPHEN |
| State | MN |
| Zip | 56375-4612 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 006 BLK 001 SMOLEY ESTATES PLAT 3 REPLAT SECTION 24 TOWNSHIP 126 RANGE 029 SECTION 24 TOWNSHIP 126 RANGE 029 |
| Legal Range | 29W |
| Legal Township | 126 |
| Legal Section | 24 |
| Legal Subdivision | SMOLEY ESTATES PLAT 3 REPLAT |
| Legal Block | 1 |
| Legal Lot Number | 6 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. STEPHEN |
| Census Block Group | 1 |
| Census Block | 1020 |
| Census Tract | 10200 |
Source: Stearns County records, as of July 30, 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 Record |
|---|---|
| Mailing Address | 409 3RD AVE NE, SAINT STEPHEN, MN 56375-4612 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Stephen City |
| Unified School District | Sartell-St. Stephen School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,808.00 (+10.12%) | $266,000 (+5.72%) Land $56,700 Building $209,300 | $266,000 (+5.72%) Land $56,700 Building $209,300 |
| 2025 | $251,600 (+8.78%) Land $53,000 Building $198,600 | $251,600 (+8.78%) Land $53,000 Building $198,600 | |
| 2023 | $2,550.00 | $231,300 Land $53,000 Building $178,300 | $231,300 Land $53,000 Building $178,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on Record median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 2 (1997) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 1997 · Severe Flooding, High Winds,severe Storms |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 66% of the US · above 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 106 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable · Fixed Wireless in parts of the area | 2,000 / 350 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: Xtratyme Technologies.
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