420 32nd Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 420 32nd Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 926 sqft · built 1996
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$244,900 (Jun 2026)
Tax Bill	$2,516 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-45710-0010`

Property Details

APN / Parcel Number

Primary APN	`82-45710-0010`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Building Area	926 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1996
Effective Year Built	Effective 1996
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Width	42 ft Width
Garage Area	704 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	420 32ND AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3763
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	LOT 019 BLK 046 CENTRAL PARK ADD SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTRAL PARK ADD
Legal Block	46
Legal Lot Number	19
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1006
Census Tract	601

Owner

420 32nd Ave N is owned and occupied by an individual who bought it in June 2026.

Source: Stearns County records, as of July 30, 2026

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

Owner of Record	Individual Name on File
Mailing Address	420 32ND AVE N, SAINT CLOUD, MN 56303-3763
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on File
Deed Sale	Jun 16, 2026 · Amount on File
Deed Document Number	20261715258
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 16, 2026
Property Address	420 32ND AVE N, SAINT CLOUD, MN 56303-3763
Document Number	0001715258
Instrument Date	Jun 15, 2026
Instrument	20261715258
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,625.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	420 32ND AVE N, SAINT CLOUD, MN 56303-3763

Mortgage

Document Number	0001715259,
Date	Jun 16, 2026
Instrument	20261715259

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

The 2026 property tax bill for 420 32nd Ave N was $2,516.

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$2,516.00	$195,100 (-) Land $25,000 Building $170,100	$195,100 (-) Land $25,000 Building $170,100
2025		$195,100 Land $25,000 Building $170,100	$195,100 Land $25,000 Building $170,100
2023	$2,102.00	$195,100 Land $25,000 Building $170,100	$195,100 Land $25,000 Building $170,100

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

Flood

FEMA maps place 420 32nd Ave N in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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 420 32nd Ave N 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 285 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Fidium Fiber, Xtratyme Technologies.

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