412 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 412 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.133 acres (5,808 sqft)
Owner	Company Name on File
Last Sale	$89,000 (Jan 2018)
Tax Bill	$2,634 (2026)
Deeds & Mortgages	Apr 2022 Mortgage Mar 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00323.00`

Property Details

APN / Parcel Number

Primary APN	`17.00323.00`

Exterior

Lot Area	5,808 sqft (0.133 acres)

Location & Zoning

Street Address	412 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-0713
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-003 BLOCK-027
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	27
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5044
Census Tract	21201

Owner

Source: Benton County assessment roll, 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	Company Name on File
Mailing Address	1121 LINCOLN AVE, SAUK RAPIDS, MN 56379-1221
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 7, 2022	Deed of Trust, Mortgage · Loan Assumption AMERICAN HERITAGE NATIONAL BANK
Mar 14, 2022	Warranty Deed, Transfer
Jan 30, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jan 30, 2018 · Amount on Record
Deed Sale	Jan 30, 2018 · Amount on Record
Deed Document Number	2018427593
Record Updated	Sep 20, 2026

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	412 2ND ST SE, SAINT CLOUD, MN 56304-0713
Transaction Type	Mortgage
Record Updated	Jan 4, 2024

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000459829
Date	Apr 7, 2022
Instrument	459829

Lender

Name	AMERICAN HERITAGE NATIONAL BANK
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Loan Assumption
Amount	Amount Recorded

March 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 14, 2022
Property Address	412 2ND ST SE, SAINT CLOUD, MN 56304-0713
Document Number	0000459349
Instrument Date	Feb 28, 2022
Instrument	459349
Transaction Type	Transfer
Record Updated	Apr 1, 2022

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
Address	1121 LINCOLN AVE, SAUK RAPIDS, MN 56379-1221

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jan 30, 2018
Property Address	412 2ND ST SE, SAINT CLOUD, MN 56304-0713
Document Number	427593
Instrument Date	Jan 17, 2018
Instrument	427593
Transaction Type	Transfer
Record Updated	Jun 22, 2021

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

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	$2,634.00 (+2.49%)	$168,800 (-) Land $25,000 Building $143,800	$168,800 (-) Land $25,000 Building $143,800
2023	$2,570.00	$168,800 Land $25,000 Building $143,800	$168,800 Land $25,000 Building $143,800

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

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 203 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: AT&T, Lumen Technologies.

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