428 30th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 428 30th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.231 acres (10,102 sqft)
Owner	2 Individual Names on Record
Last Sale	$389,900 (Apr 2024)
Tax Bill	$5,492 (2026)
Deeds & Mortgages	Apr 2024 Sale & Mortgage Apr 2022 Construction Loan + 3 more
Flood Zone	Zone X (minimal risk)
APN	`17.02404.00`

Property Details

APN / Parcel Number

Primary APN	`17.02404.00`

Exterior

Architectural Style	Multi-Family
Lot Area	10,102 sqft (0.231 acres)

Location & Zoning

Street Address	428 30TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-5002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-32 TWP-036 RANGE-030 AYERS MILL POND LOT-003 BLOCK-005
Legal Range	030
Legal Township	036
Legal Section	32
Legal Subdivision	AYERS MILL POND
Legal Block	5
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3001
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	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Apr 30, 2024	Warranty Deed, Transfer · Conventional Mortgage ST CLOUD FCU
Apr 25, 2022	Deed of Trust, Mortgage · Construction Mortgage FIRST BANK ELK RIVER
Jan 9, 2023	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage PRIMELENDING
Jun 18, 2020	Quit Claim Deed, Transfer Quitclaim
Jun 21, 2019	Warranty Deed, Transfer RACHEL INVESTMENTS LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 30, 2024 · Amount on Record
Deed Sale	Apr 30, 2024 · Amount on Record
Prior Sale	Jan 9, 2023 · Amount on Record
Deed Document Number	2024471492
Record Updated	Sep 20, 2026

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 30, 2024
Property Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002
Document Number	0000471492
Instrument Date	Apr 29, 2024
Instrument	471492
Transaction Type	Transfer
Record Updated	May 20, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,286.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002

Mortgage

Document Number	0000471493
Date	Apr 30, 2024
Instrument	471493

Lender

Name	ST CLOUD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 1, 2054

Interest

Rate Type	Adjustable Rate
Rate	5.37%
Type Change Date	May 1, 2029
Change Frequency	Annually
Min Rate At Change	4.37%
Max Rate At Change	6.37%
Index	1-Year T-Bill
Max Rate	10%

April 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002
Transaction Type	Mortgage
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15697 180TH ST, MILACA, MN 56353-3202
Investor	Possibly a Property Investor

Mortgage

Document Number	0000460162
Date	Apr 25, 2022
Instrument	460162

Lender

Name	FIRST BANK ELK RIVER
Type	Bank
Address	ELK RIVER, MN 55330

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	9 Months
Due	Jan 21, 2023

January 2023: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jan 9, 2023
Property Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002
Document Number	0000464589
Instrument Date	Jan 3, 2023
Instrument	464589
Transaction Type	Subdivision Related Transfer
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,225.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002

Mortgage

Document Number	0000464590
Date	Jan 9, 2023
Instrument	464590

Lender

Name	PRIMELENDING
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2053

June 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Jun 18, 2020
Property Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002
Document Number	0000443613
Instrument Date	Jun 5, 2020
Instrument	443613
Transaction Type	Transfer
Record Updated	Jul 21, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14949 154TH ST, FORESTON, MN 56330-9597
Investor	Possibly a Property Investor

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 21, 2019
Property Address	428 30TH AVE SE, SAINT CLOUD, MN 56304-5002
Document Number	0000436463
Instrument Date	Jun 17, 2019
Instrument	436463
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11690 95TH ST NE, OTSEGO, MN 55330-7423
Investor	Possibly a Property Investor

Mortgage

Document Number	0000436464
Date	Jun 21, 2019
Instrument	436464

Lender

Name	RACHEL INVESTMENTS LLC
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded
Term	48 Months
Due	Jun 16, 2023

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	$5,492.00 (+17.9%) Homeowner's exemption	$365,300 (-) Land $70,000 Building $295,300	$365,300 (-) Land $70,000 Building $295,300
2025	$4,658.00 (+1,705.43%) Homeowner's exemption	$365,300 (+4.37%) Land $45,000 Building $320,300	$365,300 (+4.37%) Land $45,000 Building $320,300
2023	$258.00	$350,000 Land $45,000 Building $305,000	$350,000 Land $45,000 Building $305,000

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 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	Moderate above 46% of the US · above 76% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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