Stearns County property record for 427 Central Ave N, Saint Stephen, MN 56375
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,266 sqft · built 1975 |
| Lot Size | 0.72 acres (31,363 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,508 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 90-55824-0000 |
| Primary APN | 90-55824-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 6 Rooms |
| Stories | 1 Story |
| Building Area | 1,266 sqft Living Area |
| Gross Area | 1,508 sqft |
| 1st Floor Area | 1,210 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1975 |
|---|---|
| Effective Year Built | Effective 1981 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Tilt-Up Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 31,363 sqft (0.72 acres) |
| Lot Dimensions | 167 ft deep x 157 ft wide |
| Garage Type | Attached |
| Garage Area | 694 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 42 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 427 CENTRAL AVE N |
|---|---|
| City | SAINT STEPHEN |
| State | MN |
| Zip | 56375-9632 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .72 A. S 156.75' OF N 478.50 OF E 200' OF NE4SW4 CITY OF ST STEPHEN SECTION 24 TOWNSHIP 126 RANGE 029 STEPHEN SECTION 24 |
| Legal Range | 29W |
| Legal Township | 126 |
| Legal Section | 24 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. STEPHEN |
| Census Block Group | 1 |
| Census Block | 1022 |
| Census Tract | 10200 |
427 Central Ave N is owned and occupied by an individual.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 427 CENTRAL AVE N, SAINT STEPHEN, MN 56375-9632 |
| 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.
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 427 Central Ave N was $2,508.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Stephen City |
| Unified School District | Sartell-St. Stephen School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,508.00 | $239,100 (+4.64%) Land $62,900 Building $176,200 | $239,100 (+4.64%) Land $62,900 Building $176,200 |
| 2025 | $228,500 Land $58,700 Building $169,800 | $228,500 Land $58,700 Building $169,800 | |
| 2023 | $2,424.00 | $223,100 Land $58,700 Building $164,400 | $223,100 Land $58,700 Building $164,400 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 427 Central Ave N in Zone X, an area of minimal flood risk, though there have been 2 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 17 policies |
| Nearby Flood Policies | 17 in force |
| Nearby Flood Claims | 2 (1997) |
| Claims Outside the SFHA | 1 of 2 |
| Most Recent Claim | Apr 1997 · Severe Flooding, High Winds,severe Storms |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 427 Central Ave N is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 65% of the US · above 61% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 66 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable · Fixed Wireless in parts of the area | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
May also be available: T-Mobile.
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