4206 40th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 4206 40th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,632 sqft · built 1960
Lot Size	15.3 acres (667,775 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,798 (2026)
Deeds & Mortgages	Jan 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-43588-0000`

Property Details

APN / Parcel Number

Primary APN	`82-43588-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	4 Stories
Building Area	1,632 sqft Living Area
Interior Walls	Plaster
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1960
Effective Year Built	Effective 1960
Roof Material	Asphalt
Lot Area	667,775 sqft (15.3 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Electric

Location & Zoning

Street Address	4206 40TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-8801
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	15.33 A. N2NE4 LYING W OF CREEK LESS 3.96 A. TO STATE OLD # 29.17677.000 SECTION 04 TOWNSHIP 123 RANGE 028 29.17677.000
Legal Range	28W
Legal Township	123
Legal Section	04
Legal Subdivision	METES AND BOUNDS DESC.
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2009
Census Tract	401

Owner

Source: Stearns County records, as of July 30, 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	4206 40TH ST S, SAINT CLOUD, MN 56301-8801
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

January 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 28, 2022
Property Address	4206 40TH ST S, SAINT CLOUD, MN 56301-8801
Document Number	00A1625087
Instrument Date	Jan 24, 2022
Instrument	A1625087
Transaction Type	Transfer
Record Updated	Nov 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

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	$2,798.00 (+23.26%)	$274,500 (-) Land $95,000 Building $179,500	$274,500 (-) Land $95,000 Building $179,500
2025		$274,500 (+9.32%) Land $95,000 Building $179,500	$274,500 (+9.32%) Land $95,000 Building $179,500
2023	$2,270.00	$251,100 Land $95,000 Building $156,100	$251,100 Land $95,000 Building $156,100

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 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 46% of the US · above 76% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20