428 5th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 428 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.284 acres (12,393 sqft)
Owner	Company Name on Record
Last Sale	$38,000 (May 2018)
Tax Bill	$1,398 (2026)
Deeds & Mortgages	Mar 2019 Mortgage Sep 2018 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00441.00`

Property Details

APN / Parcel Number

Primary APN	`17.00441.00`

Exterior

Lot Area	12,393 sqft (0.284 acres)

Location & Zoning

Street Address	428 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1008
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 A A WRIGHT'S ADDN LOT-002 BLOCK-00A N 40 FT
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	A A WRIGHT'S ADDN
Legal Block	A
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5053
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	Company Name on Record
Mailing Address	600 BROADWAY AVE S, SAUK RAPIDS, MN 56379-1140
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage SENTRY BANK
Sep 13, 2018	Quit Claim Deed, Transfer Quitclaim
May 15, 2018	Warranty Deed, Construction Loan · Construction Mortgage SENTRY BANK
May 8, 2018	Quit Claim Deed, Transfer QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 15, 2018 · Amount on Record
Deed Sale	May 15, 2018 · Amount on Record
Deed Document Number	2018429303
Record Updated	Sep 20, 2026

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	428 5TH AVE SE, SAINT CLOUD, MN 56304-1008
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000434672
Date	Mar 18, 2019
Instrument	434672

Lender

Name	SENTRY BANK
Type	Bank
Address	SAINT JOSEPH, MN 56374

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 15, 2024

September 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Sep 13, 2018
Property Address	428 5TH AVE SE, SAINT CLOUD, MN 56304-1008
Document Number	0000431697
Instrument Date	Sep 4, 2018
Instrument	431697
Transaction Type	Transfer
Record Updated	Sep 19, 2022

Transaction

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

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 BROADWAY AVE S, SAUK RAPIDS, MN 56379-1140

May 2018: Warranty Deed, Construction Loan

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 15, 2018
Property Address	428 5TH AVE SE, SAINT CLOUD, MN 56304-1008
Document Number	0000429303
Instrument Date	May 14, 2018
Instrument	429303
Transaction Type	Construction Loan
Record Updated	Sep 19, 2022
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$125.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	600 BROADWAY AVE S, SAUK RAPIDS, MN 56379-1140

Mortgage

Document Number	0000429304
Date	May 15, 2018
Instrument	429304

Lender

Name	SENTRY BANK
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	4 Months
Due	Sep 14, 2018

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	May 8, 2018
Property Address	428 5TH AVE SE, SAINT CLOUD, MN 56304-1008
Document Number	0000429211
Instrument Date	May 3, 2018
Instrument	429211
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

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	1609 CALVARY CT, SAINT CLOUD, MN 56301-5137

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	$1,398.00 (+22.2%)	$98,200 (+11.46%) Land $30,000 Building $68,200	$98,200 (+11.46%) Land $30,000 Building $68,200
2023	$1,144.00	$88,100 Land $30,000 Building $58,100	$88,100 Land $30,000 Building $58,100

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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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