4109 Thru St, Saint Cloud, MN 56303 Property Records

Stearns County property record for 4109 Thru St, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,448 sqft · built 1977
Lot Size	0.63 acres (27,443 sqft)
Owner	Individual Name on Record
Last Sale	$180,000 (Jul 2020)
Tax Bill	$5,824 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Jul 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-43742-0026`

Property Details

APN / Parcel Number

Primary APN	`82-43742-0026`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Stories	3 Stories
Building Area	1,448 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1977
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	27,443 sqft (0.63 acres)
Lot Width	165 ft Width
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4109 THRU ST
City	SAINT CLOUD
State	MN
Zip	56303-0314
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	.63A S165' OF N439' OF 166' OF E336'OF NW4 LYING S OF BLK 1 GRAND TIERRA ADD & W CAR #134 OLD # 30.18607.000 SECTION 04
Legal Range	28W
Legal Township	124
Legal Section	04
Legal Subdivision	METES AND BOUNDS DESC.
Legal Block	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2003
Census Tract	1003

Owner

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	Individual Name on Record
Mailing Address	4109 THRU ST, SAINT CLOUD, MN 56303-0314
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2026	Deed of Trust, Mortgage · FHA Mortgage NONE LISTED ON DOCUMENT
Jul 20, 2020	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 20, 2020 · Amount on Record
Deed Sale	Jul 20, 2020 · Amount on Record
Deed Document Number	20201574880
Prior Transfer Date	May 15, 2020
Prior Transfer Doc	00A1574880
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Jun 22, 2026
Property Address	4109 THRU ST, SAINT CLOUD, MN 56303-0314
Document Number	0001715506
Instrument Date	Jun 8, 2026
Instrument	20261715506
Transaction Type	Mortgage
Record Updated	Jul 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 THRU ST, SAINT CLOUD, MN 56303-0314

Mortgage

Document Number	0001715506,
Date	Jun 22, 2026
Instrument	20261715506

Lender

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	288 Months
Due	Jun 1, 2050

Interest

Rate	6.37%
Max Rate	-1%

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 20, 2020
Property Address	4109 THRU ST, SAINT CLOUD, MN 56303-0314
Document Number	00A1574880
Instrument Date	May 15, 2020
Instrument	A1574880
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4109 THRU ST, SAINT CLOUD, MN 56303-0314

Tax Assessment & Valuation

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	$5,824.00 (+34.19%)	$276,000 (+12.56%) Land $40,000 Building $236,000	$276,000 (+12.56%) Land $40,000 Building $236,000
2025		$245,200 (-) Land $40,000 Building $205,200	$245,200 (-) Land $40,000 Building $205,200
2023	$4,340.00	$245,200 Land $40,000 Building $205,200	$245,200 Land $40,000 Building $205,200

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 · 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
Nearby Flood Policies	1 in force

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.

Wildfire

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

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 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 76 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	1,000 / 1,000

May also be available: Verizon.

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