Stearns County property record for 4205 Sauk Dr, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,040 sqft · built 1987 |
| Lot Size | 0.43 acres (18,731 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,254 (2026) |
| Deeds & Mortgages | Jul 2026 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-45768-0345 |
| Primary APN | 82-45768-0345 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 4 Rooms |
| Stories | 3 Stories |
| Building Area | 1,040 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1987 |
|---|---|
| Effective Year Built | Effective 1987 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 18,731 sqft (0.43 acres) |
| Lot Width | 125 ft Width |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 4205 SAUK DR |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-0332 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 010 BLK 008 CHANTRY ESTATES SECTION 04 TOWNSHIP 124 RANGE 028 SECTION 04 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 04 |
| Legal Subdivision | CHANTRY ESTATES |
| Legal Block | 8 |
| Legal Lot Number | 10 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2018 |
| Census Tract | 1003 |
4205 Sauk Dr is owned and occupied by an individual.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4205 SAUK DR, SAINT CLOUD, MN 56303-0332 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 30, 2026 |
| Property Address | 4205 SAUK DR, SAINT CLOUD, MN 56303-0332 |
| Document Number | 0001718172 |
| Instrument Date | Jul 21, 2026 |
| Instrument | 20261718172 |
| Transaction Type | Mortgage |
| Record Updated | Aug 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 4205 SAUK DR, SAINT CLOUD, MN 56303-0332 |
| Document Number | 0001718172, |
|---|---|
| Date | Jul 30, 2026 |
| Instrument | 20261718172 |
| Name | UNION CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Aug 1, 2041 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
The 2026 property tax bill for 4205 Sauk Dr was $3,254.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,254.00 | $271,000 (+12.49%) Land $40,000 Building $231,000 | $271,000 (+12.49%) Land $40,000 Building $231,000 |
| 2025 | $240,900 Land $40,000 Building $200,900 | $240,900 Land $40,000 Building $200,900 | |
| 2023 | $2,674.00 | $240,900 Land $40,000 Building $200,900 | $240,900 Land $40,000 Building $200,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4205 Sauk Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4205 Sauk Dr is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% 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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 76 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 | 1,000 / 1,000 |
May also be available: Verizon.
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