427 Birch Dr SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 427 Birch Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.332 acres (14,464 sqft)
Owner	2 Individual Names on Record
Last Sale	$162,500 (Feb 2016)
Tax Bill	$3,088 (2026)
Deeds & Mortgages	May 2026 Mortgage Sep 2021 Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.01217.00`

Property Details

APN / Parcel Number

Primary APN	`17.01217.00`

Exterior

Lot Area	14,464 sqft (0.332 acres)

Location & Zoning

Street Address	427 BIRCH DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1316
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-31 TWP-036 RANGE-030 WOODLAND HILLS-2ND ADDN LOT-010 BLOCK-003
Legal Range	030
Legal Township	036
Legal Section	31
Legal Subdivision	WOODLAND HILLS
Legal Block	3
Legal Lot Number	10
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3007
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	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 22, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Sep 30, 2021	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Dec 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage QUICKEN LOANS LLC
Jan 8, 2020	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Dec 20, 2018	Deed of Trust, Mortgage · FHA Mortgage QUICKEN LOANS INC
Jul 13, 2017	Deed of Trust, Mortgage AMERICAN NATIONAL BANK OF MINNESOTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 5, 2016 · Amount on Record
Deed Sale	Feb 5, 2016 · Amount on Record
Deed Document Number	2016462877
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	May 22, 2026
Property Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Document Number	0000483487
Instrument Date	May 18, 2026
Instrument	2026483487
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316

Mortgage

Document Number	0000483487,
Date	May 22, 2026
Instrument	2026483487

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2041

Interest

Rate Type	Fixed Rate
Rate	5.65%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Transaction Type	Mortgage
Record Updated	Oct 14, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	455715
Date	Sep 30, 2021
Instrument	455715

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2051

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	447771
Date	Dec 1, 2020
Instrument	447771

Lender

Name	QUICKEN LOANS LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	358 Months
Due	Oct 1, 2050

January 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Transaction Type	Mortgage
Record Updated	Jan 27, 2020
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440684
Date	Jan 8, 2020
Instrument	440684

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2050

December 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Transaction Type	Mortgage
Record Updated	Jan 2, 2019
Title Company	TITLE SOURCE INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	433381
Date	Dec 20, 2018
Instrument	433381

Lender

Name	QUICKEN LOANS INC
Type	Lending Institution
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2049

July 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	427 BIRCH DR SE, SAINT CLOUD, MN 56304-1316
Transaction Type	Mortgage
Record Updated	Oct 10, 2017

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	, 423834
Date	Jul 13, 2017
Instrument	423834

Lender

Name	AMERICAN NATIONAL BANK OF MINNESOTA
Type	Bank
Address	BAXTER, MN 56425

Agreement

Amount	Amount Recorded
Term	178 Months
Due	May 22, 2032

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	$3,088.00 (+12.21%) Homeowner's exemption	$222,500 (-) Land $40,000 Building $182,500	$222,500 (-) Land $40,000 Building $182,500
2025	$2,752.00 (+3.61%) Homeowner's exemption	$222,500 (-) Land $40,000 Building $182,500	$222,500 (-) Land $40,000 Building $182,500
2023	$2,656.00	$222,500 Land $40,000 Building $182,500	$222,500 Land $40,000 Building $182,500

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
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	Low lower than 99.8% of the US · lower than 99.4% 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.

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 149 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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