42 10th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 42 10th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.172 acres (7,515 sqft)
Owner	2 Individual Names on File
Last Sale	$190,000 (Sep 2022)
Tax Bill	$2,084 (2026)
Deeds & Mortgages	Sep 2019 Mortgage Sep 2022 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01125.00`

Property Details

APN / Parcel Number

Primary APN	`17.01125.00`

Exterior

Lot Area	7,515 sqft (0.172 acres)

Location & Zoning

Street Address	42 10TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0911
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EASTERN PARK ADDN TO ST CLOUD LOT-006 BLOCK-004 N 47 FT OF S 188 FT OF LOTS 6 & 7
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EASTERN PARK ADDN TO ST CLOUD
Legal Block	4
Legal Lot Number	6-7
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	21201

Owner

42 10th Ave NE is owned and occupied by two individuals who bought it in September 2022.

Source: Benton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	42 10TH AVE NE, SAINT CLOUD, MN 56304-0911
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Sep 27, 2019	Deed of Trust, Mortgage · FHA Mortgage BREMER BANK NA
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Sep 27, 2019	Warranty Deed, Transfer · Stand-Alone Second Mortgage BREMER BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 29, 2022 · Amount on File
Deed Sale	Sep 29, 2022 · Amount on File
Prior Sale	Sep 27, 2019 · Amount on File
Deed Document Number	2022463069
Record Updated	Sep 20, 2026

September 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	42 10TH AVE NE, SAINT CLOUD, MN 56304-0911
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000438438
Date	Sep 27, 2019
Instrument	438438

Lender

Name	BREMER BANK NA
Type	Bank
Address	SAINT PAUL, MN 55102

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 29, 2022
Property Address	42 10TH AVE NE, SAINT CLOUD, MN 56304-0911
Document Number	0000463069
Instrument Date	Sep 23, 2022
Instrument	463069
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$627.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	42 10TH AVE NE, SAINT CLOUD, MN 56304-0911

Mortgage

Document Number	0000463070
Date	Sep 29, 2022
Instrument	463070

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2052

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 27, 2019
Property Address	42 10TH AVE NE, SAINT CLOUD, MN 56304-0911
Document Number	438437
Instrument Date	Sep 20, 2019
Instrument	438437
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	QUARRY TITLE & CLOSING LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$415.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	42 10TH AVE NE, SAINT CLOUD, MN 56304-0911

Mortgage

Document Number	438439
Date	Sep 27, 2019
Instrument	438439

Lender

Name	BREMER BANK NA
Type	Bank
Address	LAKE ELMO, MN 55042

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 42 10th Ave NE was $2,084 with a homeowner's exemption.

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	$2,084.00 Homeowner's exemption	$183,600 Land $25,000 Building $158,600	$183,600 Land $25,000 Building $158,600
2023	$1,712.00	$160,200 Land $25,000 Building $135,200	$160,200 Land $25,000 Building $135,200

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 42 10th Ave NE in Zone X, an area of minimal flood risk.

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

The area around 42 10th Ave NE has no burnable land within ember reach, so its wildfire risk is not rated.

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 149 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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