411 5th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 411 5th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Last Sale	$141,000 (Jun 2021)
Tax Bill	$2,036 (2026)
Deeds & Mortgages	Dec 2025 Mortgage Dec 2025 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.00960.00`

Property Details

APN / Parcel Number

Primary APN	`17.00960.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	411 5TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0326
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-011 BLOCK-026
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	26
Legal Lot Number	11
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4027
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 23, 2025	Deed of Trust, Mortgage HOUSING AND REDEVELOPMENT AUTHORITY OF S
Dec 23, 2025	Deed of Trust, Mortgage THE HOUSING AND REDEVELOPMENT AUTHORI
Jun 15, 2021	Warranty Deed, Transfer · Conventional Mortgage GREAT RIVER FCU
Mar 8, 2018	Deed of Trust, Mortgage GUARANTEED RATE AFFINITY LLC
Jul 20, 2018	Transfer on Death Deed, Transfer BENSON COUNTY ABSTRACT COMPANY, BENTON COUNTY ABSTRACT COMPA
Mar 8, 2018	Warranty Deed, Transfer GUARANTEED RATE AFFINITY LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 15, 2021 · Amount on Record
Deed Sale	Jun 15, 2021 · Amount on Record
Prior Sale	Mar 8, 2018 · Amount on Record
Deed Document Number	2021453167
Record Updated	Sep 20, 2026

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000481116
Date	Dec 23, 2025
Instrument	481116

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY OF S
Type	Government Agency
Address	SAINT CLOUD, MN 56301

Agreement

Amount	Amount Recorded

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Transaction Type	Mortgage
Record Updated	Jan 13, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000481118
Date	Dec 23, 2025
Instrument	481118

Lender

Name	THE HOUSING AND REDEVELOPMENT AUTHORI
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

June 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 15, 2021
Property Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Document Number	453167
Instrument Date	May 21, 2021
Instrument	453167
Transaction Type	Transfer
Record Updated	Jun 30, 2021
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$465.30
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326

Mortgage

Document Number	453168
Date	Jun 15, 2021
Instrument	453168

Lender

Name	GREAT RIVER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2051

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	428160
Date	Mar 8, 2018
Instrument	428160

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2048

July 2018: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Jul 20, 2018
Property Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Document Number	430676
Instrument Date	Jul 20, 2018
Instrument	430676
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	BENSON COUNTY ABSTRACT COMPANY, BENTON COUNTY ABSTRACT COMPA

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
Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 8, 2018
Property Address	411 5TH AVE NE, SAINT CLOUD, MN 56304-0326
Document Number	428159
Instrument Date	Feb 23, 2018
Instrument	428159
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
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
Relationship	Joint Tenants

Mortgage

Document Number	428161
Date	Mar 8, 2018
Instrument	428161

Lender

Name	GUARANTEED RATE AFFINITY LLC
Type	Non-Lending Institution
Address	CHICAGO, IL 60613

Agreement

Amount	Amount Recorded
Term	120 Months
Due	Mar 1, 2028

Tax Assessment & Valuation

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	$2,036.00 (+19.2%) Homeowner's exemption	$173,500 (+8.44%) Land $25,000 Building $148,500	$173,500 (+8.44%) Land $25,000 Building $148,500
2023	$1,708.00	$160,000 Land $25,000 Building $135,000	$160,000 Land $25,000 Building $135,000

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 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

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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