4109 4th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 4109 4th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 1,181 sqft · built 1998
Lot Size	0.15 acres (6,534 sqft)
Owner	2 Individual Names on Record
Last Sale	$249,900 (Dec 2025)
Tax Bill	$3,074 (2026)
Deeds & Mortgages	Dec 2025 Sale May 2022 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82-44154-0410`

Property Details

APN / Parcel Number

Primary APN	`82-44154-0410`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,181 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	6,534 sqft (0.15 acres)
Lot Width	56 ft Width
Garage Area	511 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4109 4TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-8528
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD38
Legal Description	LOT 002 BLK 002 ANGUSHIRE MEADOWS SECTION 21 TOWNSHIP 124 RANGE 028 SECTION 21 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	21
Legal Subdivision	ANGUSHIRE MEADOWS
Legal Block	2
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3013
Census Tract	502

Owner

Source: Stearns County records, as of April 21, 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	4109 4TH ST S, SAINT CLOUD, MN 56301-8528
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2025	Warranty Deed, Transfer
May 23, 2022	Quit Claim Deed, Transfer Quitclaim
May 4, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE
Feb 10, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 4, 2025 · Amount on Record
Deed Sale	Dec 4, 2025 · Amount on Record
Prior Sale	Apr 28, 2022 · Amount on Record
Deed Document Number	20251704420
Record Updated	Jun 8, 2026

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 4, 2025
Property Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528
Document Number	00A1704420
Instrument Date	Nov 26, 2025
Instrument	A1704420
Transaction Type	Transfer
Record Updated	Feb 3, 2026

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
Relationship	Joint Tenants with Right of Survivorship
Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528

May 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	May 23, 2022
Property Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528
Document Number	00A1633105
Instrument Date	Apr 28, 2022
Instrument	A1633105
Transaction Type	Transfer
Record Updated	Feb 3, 2026

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
Relationship	Joint Tenants
Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 4, 2022
Property Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528
Document Number	00A1631697
Instrument Date	Apr 28, 2022
Instrument	A1631697
Transaction Type	Transfer
Record Updated	Feb 3, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
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	4109 4TH ST S, SAINT CLOUD, MN 56301-8528

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 10, 2020
Property Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528
Document Number	00A1562696
Instrument Date	Jan 29, 2020
Instrument	A1562696
Transaction Type	Transfer
Record Updated	Feb 3, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 4TH ST S, SAINT CLOUD, MN 56301-8528

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$3,074.00 (+16.35%)
2025	$2,642.00 (+3.85%) Homeowner's exemption	$229,700 (+4.08%) Land $40,000 Building $189,700	$229,700 (+4.08%) Land $40,000 Building $189,700
2023	$2,544.00	$220,700 Land $40,000 Building $180,700	$220,700 Land $40,000 Building $180,700

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 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

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% 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 312 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
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: AT&T, CenturyLink, Verizon.

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