1. Home
  2. Minnesota
  3. Saint Cloud
  4. E Saint Germain St

423 E Saint Germain St, Saint Cloud, MN 56304 Property Records

Benton County property record for 423 E Saint Germain St, Saint Cloud, MN 56304 · Last verified July 2026

Property Highlights

Property TypeCommercial > Retail
Lot Size15,453 sqft (0.354 acres)
Last Sale$350,000 (2026)
Tax Bill$15,694.00 (2026)

Property Details

APN / Parcel Number

Primary APN17.00412.00

Interior

Units25 Units

Exterior

Lot Area15,453 sqft (0.354 acres)

Location & Zoning

Street Address423 E SAINT GERMAIN ST
CitySAINT CLOUD
StateMN
Zip56304-0746
Property UsageCommercial Property Usage
TypeCommercial > Retail
Legal DescriptionSECT-36 TWP-036 RANGE-031 AUDITORS 1913 SUBD BLK 'D' LOT-006 & LOTS 7, 9 & 10
Legal Range031
Legal Township036
Legal Section36
Legal SubdivisionAUDITORS 1913 SUBD BLK 'D
Legal Lot Number6
JurisdictionBENTON MN
Minor Civil DivisionST. CLOUD
Census Blockgroup5
Census Block5032
Census Tract21201

Owner

Source: Benton County records · APN 17.00412.00

Assessment roll updated July 16, 2026 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on File
Mailing Address6810 5TH AVE NE, SAUK RAPIDS, MN 56379-4559
Owner TypeOwner is a Company

Deeds, Mortgages & Sale History

DateDocument
Jun 29, 2026Warranty Deed, Transfer · Conventional Mortgage
UNION CREDIT UNION
Feb 23, 2026Warranty Deed, Transfer · Commercial Mortgage
MIDCOUNTRY BANK
Nov 19, 2025Sheriff's Deed, Foreclosure
Dec 14, 2022Quit Claim Deed, Transfer
FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO
Dec 14, 2022Land Contract, Transfer · Land Contract (Agreement of Sale)
NOT AVAILABLE
Oct 12, 2018Quit Claim Deed, Transfer · Line of Credit
FIRST BANK & TRUST

Assessor's Deed Record

Deed NamesVerified Name on Deed
Last SaleJun 29, 2026 · Amount on Record
Deed SaleJun 29, 2026 · Amount on Record
Prior SaleNov 19, 2025 · Amount on Record
Deed Doc Number2026484197
Record RefreshedSep 20, 2026

June 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateJun 29, 2026
Property Address423 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746
Document Number0000484197
Instrument DateJun 26, 2026
Instrument2026484197
Transaction TypeTransfer
Record UpdatedJul 17, 2026
Title CompanyFIRST AMERICAN TITLE

Transaction

AmountAmount Recorded
Loan-to-Value (LTV)LTV on Record
Tax$116,655.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6810 5TH AVE NE, SAUK RAPIDS, MN 56379-4559

Mortgage

Document Number0000484197,
DateJun 29, 2026
Instrument2026484197
Lender
NameUNION CREDIT UNION
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term180 Months
DueJul 01, 2041
Interest
Rate TypeAdjustable Rate
Rate5.71%
Initial TypeAdjustable Rate
AdjustableDocument includes a rider for adjustable-rate mortgage with a specific rate change date.
Max Rate-1%

February 2026: Warranty Deed, Transfer

Document TypeWarranty Deed
JurisdictionBENTON MN
Recording DateFeb 23, 2026
Property Address423 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746
Document Number0000481961
Instrument DateFeb 19, 2026
Instrument481961
Transaction TypeTransfer
Record UpdatedMar 12, 2026
Title CompanyTRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Arms Length Transaction
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Mail Care OfJAMES KNOBLACH

Mortgage

Document Number0000481967
DateFeb 23, 2026
Instrument481967
Lender
NameMIDCOUNTRY BANK
TypeBank
Agreement
TypeCommercial Mortgage
AmountAmount Recorded
Term60 Months
DueFeb 20, 2031

November 2025: Sheriff's Deed, Foreclosure

Document TypeSheriff's Deed
JurisdictionBENTON MN
Recording DateNov 19, 2025
Property Address423 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746
Document Number0000480537
Instrument DateNov 18, 2025
Instrument480537
Transaction TypeForeclosure
Record UpdatedDec 10, 2025

Transaction

AmountAmount Recorded
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address1909 HIGHWAY 36 W, ROSEVILLE, MN 55113-2709

December 2022: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBENTON MN
Recording DateDec 14, 2022
Property Address423 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746
Document Number0000464224
Instrument DateDec 09, 2022
Instrument464224
Transaction TypeTransfer
Record UpdatedJan 03, 2023
Title CompanyFIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 WILSON AVE NE STE 14, 14, SAINT CLOUD, MN 56304-0403

December 2022: Land Contract, Transfer

Document TypeLand Contract
JurisdictionBENTON MN
Recording DateDec 14, 2022
Property Address423 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746
Document Number0000464225
Instrument DateDec 04, 2022
Instrument464225
Transaction TypeTransfer
Record UpdatedJan 03, 2023
Title CompanyTRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

AmountAmount Recorded
DownpaymentDownpayment on File
Loan-to-Value (LTV)LTV on Record
Tax$0.00
Amount AccuracyFull Amount Stated
Additional
  • Arms Length Transaction

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address6 CLOVER CT, SAINT CLOUD, MN 56301-4954

Mortgage

DateDec 14, 2022
Lender
NameNOT AVAILABLE
Agreement
TypeLand Contract (Agreement of Sale)
AmountAmount Recorded

October 2018: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionBENTON MN
Recording DateOct 12, 2018
Property Address423 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0746
Document Number432244
Instrument DateOct 10, 2018
Instrument432244
Transaction TypeTransfer
Record UpdatedAug 09, 2021
Title CompanyLAND TITLE CORPORATION, LAND TITLE INC

Transaction

Tax$0.00
Amount AccuracyZero or No Consideration Stated
Additional
  • Quitclaim Document
  • Interfamily Transfer
  • Multiple parcels conveyed, unknown impact to APN

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
Address22 WILSON AVE NE # 14, 14, SAINT CLOUD, MN 56304-0440

Mortgage

Document Number432245
DateOct 12, 2018
Instrument432245
Lender
NameFIRST BANK & TRUST
TypeBank
Agreement
TypeLine of Credit
AmountAmount Recorded
Term120 Months
DueOct 11, 2028
Interest
Rate TypeAdjustable Rate

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026

Property Jurisdictions

TypeName
StateMinnesota
CountyBenton County
MunicipalitySt. Cloud City
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

YearTax BillAssessed ValueAssessed Market Value
2026$15,694.00 (+25.13%)$142,000 (-) Land $79,000 Building $63,000$142,000 (-) Land $79,000 Building $63,000
2025$12,542.00 (-12.43%)$142,000 (+4.8%) Land $79,000 Building $63,000$142,000 (+4.8%) Land $79,000 Building $63,000
2023$14,322.00$135,500 Land $79,500 Building $56,000$135,500 Land $79,500 Building $56,000

Nearby Properties on E Saint Germain St

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures