Benton County property record for 413 E Saint Germain St, Saint Cloud, MN 56304 · Last verified July 2026
| Property Type | Commercial > Retail |
|---|---|
| Architecture Style | Multifamily |
| Lot Size | 4,471 sqft (0.102 acres) |
| Last Sale | $150,000 (2022) |
| Tax Bill | $4,878.00 (2026) |
| Primary APN | 17.00415.00 |
|---|
| Units | 9 Units |
|---|
| Architectural Style | Multifamily Style |
|---|---|
| Lot Area | 4,471 sqft (0.102 acres) |
| Street Address | 413 E SAINT GERMAIN ST |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0746 |
| Property Usage | Commercial Property Usage |
| Type | Commercial > Retail |
| Legal Description | SECT-36 TWP-036 RANGE-031 AUDITORS 1913 SUBD BLK 'D' LOT-012 & LOT 13 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 36 |
| Legal Subdivision | AUDITORS 1913 SUBD BLK 'D |
| Legal Lot Number | 12-13 |
| Jurisdiction | BENTON MN |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 5 |
| Census Block | 5032 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.00415.00
Assessment roll updated July 16, 2026 · Last verified July 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 | 6810 5TH AVE NE, SAUK RAPIDS, MN 56379-4559 |
| Owner Type | Owner is a Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Jun 30, 2026 | Deed of Trust, Mortgage · Conventional Mortgage UNION CREDIT UNION |
| Jun 02, 2022 | Warranty Deed, Transfer · Commercial Mortgage CENTRAL MINNESOTA CU |
| Jan 02, 2020 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Deed Names | Verified Name on Deed |
|---|---|
| Known Transactions |
|
| Deed Doc Number | 2022460930 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jun 30, 2026 |
| Property Address | 413 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746 |
| Document Number | 0000484218 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 2026484218 |
| Transaction Type | Mortgage |
| Record Updated | Jul 17, 2026 |
| Title Company | COUNTY ABSTRACT, TRI COUNTY ABSTRACT |
| Name | Verified Name |
|---|---|
| Relationship | 266 |
| Document Number | 0000484218, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 2026484218 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jul 01, 2041 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 5.87% |
| Initial Type | Adjustable Rate |
| Adjustable | Document includes a rider for adjustable-rate mortgage with a specific rate change date. |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jun 02, 2022 |
| Property Address | 413 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746 |
| Document Number | 0000460930 |
| Instrument Date | May 31, 2022 |
| Instrument | 460930 |
| Transaction Type | Transfer |
| Record Updated | Sep 29, 2023 |
| Title Company | TRI COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6810 5TH AVE NE, SAUK RAPIDS, MN 56379-4559 |
| Document Number | 0000460931 |
|---|---|
| Date | Jun 02, 2022 |
| Instrument | 460931 |
| Name | CENTRAL MINNESOTA CU |
|---|---|
| Type | Credit Union |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Number | 0000461010 |
|---|---|
| Date | Jun 06, 2022 |
| Instrument | 461010 |
| Name | CENTRAL MINNESOTA CU |
|---|---|
| Type | Credit Union |
| Address | MELROSE, MN 56352 |
| Type | Stand Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 180 Months |
| Due | Jun 01, 2037 |
| Rate Type | Adjustable Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jan 02, 2020 |
| Property Address | 413 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746 |
| Document Number | 440540 |
| Instrument Date | Dec 30, 2019 |
| Instrument | 440540 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $445.50 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 600 75TH AVE NE, SAUK RAPIDS, MN 56379-9645 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,878.00 (+67.05%) | $211,000 (+40.48%) Land $51,000 Building $160,000 | $211,000 (+40.48%) Land $51,000 Building $160,000 |
| 2023 | $2,920.00 | $150,200 Land $51,000 Building $99,200 | $150,200 Land $51,000 Building $99,200 |
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