428 10th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 428 10th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,088 sqft · built 1890
Lot Size	0.1 acres (4,356 sqft)
Owner	Individual Name on File
Last Sale	$145,000 (Jun 2024)
Tax Bill	$1,830 (2026)
Deeds & Mortgages	Sep 2026 Sale Jan 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-51802-0000`

Property Details

APN / Parcel Number

Primary APN	`82-51802-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,088 sqft Living Area
1st Floor Area	764 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Other
Roof Material	Asphalt
Lot Area	4,356 sqft (0.1 acres)
Lot Width	33 ft Width
Garage Area	320 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	428 10TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3644
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	N'LY 1/2 OF LOT 1 BLK 25 WILSON'S SURVEY SECTION 11 TOWNSHIP 124 RANGE 028 WILSON'S SURVEY SECTION 11 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	WILSONS SURVEY
Legal Block	25
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1029
Census Tract	801

Owner

Source: Stearns County records, as of October 1, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	48713 STATE HIGHWAY 28, VILLARD, MN 56385-2398
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 17, 2026	Quit Claim Deed, Transfer NONE LISTED ON DOCUMENT
Jan 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 28, 2024 · Amount on File
Deed Sale	Jun 28, 2024 · Amount on File
Prior Sale	Jan 10, 2018 · Amount on File
Deed Document Number	20241664792
Last Transfer Date	Aug 12, 2026
Transfer Doc	0001721096
Record Updated	Oct 29, 2026

September 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 17, 2026
Property Address	428 10TH AVE N, SAINT CLOUD, MN 56303-3644
Document Number	0001721096
Instrument Date	Aug 12, 2026
Instrument	20261721096
Transaction Type	Transfer
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount on Record
Tax	$166.65
Amount Accuracy	Full Amount Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	48713 STATE HIGHWAY 28, VILLARD, MN 56385-2398

January 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 10, 2018
Property Address	428 10TH AVE N, SAINT CLOUD, MN 56303-3644
Document Number	00A1512802
Instrument Date	Dec 22, 2017
Instrument	A1512802
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	428 10TH AVE N, SAINT CLOUD, MN 56303-3644

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$1,830.00 (+54.56%)	$138,500 (-) Land $20,000 Building $118,500	$138,500 (-) Land $20,000 Building $118,500
2025		$138,500 (+12.6%) Land $20,000 Building $118,500	$138,500 (+12.6%) Land $20,000 Building $118,500
2023	$1,184.00	$123,000 Land $20,000 Building $103,000	$123,000 Land $20,000 Building $103,000

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 September 29, 2024

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	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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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