420 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 420 4th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.284 acres (12,399 sqft)
Owner	Company Name on Record
Last Sale	$198,000 (Jun 2022)
Tax Bill	$8,440 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Oct 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00874.00`

Property Details

APN / Parcel Number

Primary APN	`17.00874.00`

Exterior

Architectural Style	Multi-Family
Lot Area	12,399 sqft (0.284 acres)

Location & Zoning

Street Address	420 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0319
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-002 BLOCK-019 & LOT 3
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	19
Legal Lot Number	2-3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4028
Census Tract	21201

Owner

Source: Benton County records, 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 Record
Mailing Address	1500 80TH AVE N, MINNEAPOLIS, MN 55444-1682
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Jun 30, 2022	Warranty Deed, Transfer · Commercial Mortgage COMMUNITY RESOURCE BANK NA
Oct 3, 2019	Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 29, 2022 · Amount on Record
Deed Sale	Jun 29, 2022 · Amount on Record
Prior Sale	Oct 3, 2019 · Amount on Record
Deed Document Number	20221432937
Record Updated	Sep 20, 2026

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 30, 2022
Property Address	420 4TH AVE NE, SAINT CLOUD, MN 56304-0319
Document Number	0000461526
Instrument Date	Jun 29, 2022
Instrument	461526
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$653.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1500 80TH AVE N, BROOKLYN PARK, MN 55444-1682

Mortgage

Document Number	0000461527
Date	Jun 30, 2022
Instrument	461527

Lender

Name	COMMUNITY RESOURCE BANK NA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	61 Months
Due	Jul 10, 2027

October 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 3, 2019
Property Address	420 4TH AVE NE, SAINT CLOUD, MN 56304-0319
Document Number	438585
Instrument Date	Sep 19, 2019
Instrument	438585
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	MG AMERICAN TITLE COMPANY INC, ALL AMERICAN TITLE CO INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$527.67
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	1730 DOUBLE EAGLE AVE, BEAUMONT, CA 92223-7135

Mortgage

Document Number	438586
Date	Oct 3, 2019
Instrument	438586

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2049

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	$8,440.00 (+161.62%)	$214,100 (+12.62%) Land $30,000 Building $184,100	$214,100 (+12.62%) Land $30,000 Building $184,100
2023	$3,226.00	$190,100 Land $30,000 Building $160,100	$190,100 Land $30,000 Building $160,100

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

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 327 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

May also be available: Intrepid Fiber Networks.

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