426 Riverside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 426 Riverside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.167 acres (7,274 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Sep 2022)
Tax Bill	$2,060 (2026)
Deeds & Mortgages	Jan 2026 Mortgage Oct 2022 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00724.00`

Property Details

APN / Parcel Number

Primary APN	`17.00724.00`

Exterior

Lot Area	7,274 sqft (0.167 acres)

Location & Zoning

Street Address	426 RIVERSIDE DR NE
City	SAINT CLOUD
State	MN
Zip	56304-0346
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-003 BLOCK-004 EXC S 2 1/2 FT
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	4
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4008
Census Tract	21201

Owner

426 Riverside Dr NE is owned and occupied by an individual who bought it in September 2022.

Source: Benton County records, as of July 16, 2026

Owner of Record	Individual Name on File
Mailing Address	426 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0346
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.

Deeds, Mortgages & Sale History

Date	Document
Jan 14, 2026	Deed of Trust, Mortgage · Commercial Mortgage BANKVISTA
Oct 4, 2022	Deed of Trust, Mortgage · Second Mortgage (Down Payment) PRIMELENDING
Sep 13, 2022	Warranty Deed, Transfer · Conventional Mortgage PRIMELENDING

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 13, 2022 · Amount on File
Deed Sale	Sep 13, 2022 · Amount on File
Prior Sale	Feb 7, 2006 · Amount on File
Deed Document Number	2022462814
Record Updated	Sep 20, 2026

January 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	426 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0346
Transaction Type	Mortgage
Record Updated	Jan 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000481444
Date	Jan 14, 2026
Instrument	481444

Lender

Name	BANKVISTA
Type	Bank
Address	SARTELL, MN 56377

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	239 Months
Due	Dec 30, 2045

October 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	426 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0346
Transaction Type	Mortgage
Record Updated	Oct 24, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000463155
Date	Oct 4, 2022
Instrument	463155

Lender

Name	PRIMELENDING
Type	Mortgage Company
Address	DALLAS, TX 75252

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	359 Months
Due	Sep 1, 2052

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 13, 2022
Property Address	426 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0346
Document Number	0000462814
Instrument Date	Aug 8, 2022
Instrument	462814
Transaction Type	Transfer
Record Updated	Oct 3, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	426 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0346

Mortgage

Document Number	0000462815
Date	Sep 13, 2022
Instrument	462815

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2052

Tax Assessment & Valuation

The 2026 property tax bill for 426 Riverside Dr NE was $2,060 with a homeowner's exemption.

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	$2,060.00 Homeowner's exemption	$179,600 Land $40,000 Building $139,600	$179,600 Land $40,000 Building $139,600
2023	$1,724.00	$159,000 Land $40,000 Building $119,000	$159,000 Land $40,000 Building $119,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 426 Riverside Dr NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

The area around 426 Riverside Dr NE has no burnable land within ember reach, so its wildfire risk is not rated.

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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