423 2nd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 423 2nd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.145 acres (6,323 sqft)
Owner	2 Individual Names on Record
Last Sale	$158,000 (Jul 2020)
Tax Bill	$2,750 (2026)
Deeds & Mortgages	Jul 2020 Sale Jul 2020 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00737.00`

Property Details

APN / Parcel Number

Primary APN	`17.00737.00`

Exterior

Lot Area	6,323 sqft (0.145 acres)

Location & Zoning

Street Address	423 2ND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0303
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-017 BLOCK-004
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	4
Legal Lot Number	17
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4008
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	2 Individual Names on Record
Mailing Address	423 2ND AVE NE, SAINT CLOUD, MN 56304-0303
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 28, 2020	Deed, Transfer RESULTS TITLE
Jul 28, 2020	Warranty Deed, Transfer · Conventional Mortgage FIRST BANK BLUE EARTH

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 28, 2020 · Amount on Record
Deed Sale	Jul 28, 2020 · Amount on Record
Prior Sale	Jul 16, 2015 · Amount on Record
Deed Document Number	2020444648
Record Updated	Sep 20, 2026

July 2020: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Jul 28, 2020
Property Address	423 2ND AVE NE, SAINT CLOUD, MN 56304-0303
Document Number	444651
Instrument Date	Jun 29, 2020
Instrument	444651
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	RESULTS TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	423 2ND AVE NE, 423, SAINT CLAIR, MI

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	306 S MAIN STREET, BLUE EARTH, MI

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 28, 2020
Property Address	423 2ND AVE NE, SAINT CLOUD, MN 56304-0303
Document Number	444648
Instrument Date	Jun 26, 2020
Instrument	444648
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE INC CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$521.40
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	423 2ND AVE NE, SAINT CLOUD, MN 56304-0303

Mortgage

Document Number	0000444649
Date	Jul 28, 2020
Instrument	444649

Lender

Name	FIRST BANK BLUE EARTH
Type	Bank
Address	BLUE EARTH, MN 56013

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2050

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	$2,750.00 (+13.45%) Homeowner's exemption	$229,000 (+15.13%) Land $25,000 Building $204,000	$229,000 (+15.13%) Land $25,000 Building $204,000
2023	$2,424.00	$198,900 Land $25,000 Building $173,900	$198,900 Land $25,000 Building $173,900

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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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