420 15th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 420 15th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.343 acres (14,949 sqft)
Owner	2 Individual Names on Record
Last Sale	$220,000 (May 2023)
Tax Bill	$2,480 (2026)
Deeds & Mortgages	May 2023 Sale & Mortgage May 2023 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01168.00`

Property Details

APN / Parcel Number

Primary APN	`17.01168.00`

Exterior

Lot Area	14,949 sqft (0.343 acres)

Location & Zoning

Street Address	420 15TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1233
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS LOT-007 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	2
Legal Lot Number	7
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3017
Census Tract	21201

Owner

Source: Benton County records, as of July 20, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 30, 2023	Warranty Deed, Transfer · Conventional Mortgage AMERICAN PACIFIC MORTGAGE CORP
May 30, 2023	Quit Claim Deed, Transfer RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL
Apr 19, 2022	Deed of Trust, Mortgage · FHA Mortgage M & T BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 30, 2023 · Amount on Record
Deed Sale	May 30, 2023 · Amount on Record
Prior Sale	May 25, 2023 · Amount on Record
Deed Document Number	2023466370
Prior Transfer Date	May 23, 2023
Prior Transfer Doc	0000466369
Record Updated	Sep 20, 2026

May 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 30, 2023
Property Address	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233
Document Number	0000466370
Instrument Date	May 23, 2023
Instrument	466370
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
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	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233

Mortgage

Document Number	0000466371
Date	May 30, 2023
Instrument	466371

Lender

Name	AMERICAN PACIFIC MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2053

May 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	May 30, 2023
Property Address	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233
Document Number	0000466369
Instrument Date	May 23, 2023
Instrument	466369
Transaction Type	Transfer
Record Updated	Jun 15, 2023
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233
Transaction Type	Mortgage
Record Updated	May 3, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 15TH AVE SE, SAINT CLOUD, MN 56304-1233

Mortgage

Document Number	0000460056
Date	Apr 19, 2022
Instrument	460056

Lender

Name	M & T BANK
Type	Bank
Address	GETZVILLE, NY 14068

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	354 Months
Due	Oct 1, 2051

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	$2,480.00 (+14.29%) Homeowner's exemption	$186,400 (-) Land $40,000 Building $146,400	$186,400 (-) Land $40,000 Building $146,400
2025	$2,170.00 (+7.75%) Homeowner's exemption	$186,400 (+3.1%) Land $40,000 Building $146,400	$186,400 (+3.1%) Land $40,000 Building $146,400
2023	$2,014.00	$180,800 Land $40,000 Building $140,800	$180,800 Land $40,000 Building $140,800

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	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 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.

Nearby Properties on 15th Ave SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures