Stearns County property record for 43 20th Ave S, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,095 sqft · built 1890 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $153,000 (Jun 2025) |
| Tax Bill | $1,580 (2026) |
| Deeds & Mortgages | Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-51441-0000 |
| Primary APN | 82-51441-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,095 sqft Living Area |
| 1st Floor Area | 744 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1890 |
|---|---|
| Effective Year Built | Effective 1890 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Width | 42 ft Width |
| Cooling System | None |
|---|---|
| Heating System | HVAC |
| Street Address | 43 20TH AVE S |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-3953 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 012 BLK 005 SYNDICATE ADD SECTION 15 TOWNSHIP 124 RANGE 028 SECTION 15 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 15 |
| Legal Subdivision | SYNDICATE ADD |
| Legal Block | 5 |
| Legal Lot Number | 12 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3030 |
| Census Tract | 601 |
Source: Stearns County records, as of July 30, 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 | 43 20TH AVE S, SAINT CLOUD, MN 56301-3953 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 4, 2025 · Amount on Record |
| Deed Sale | Jun 4, 2025 · Amount on Record |
| Prior Sale | May 29, 2025 · Amount on Record |
| Deed Document Number | 20251693282 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 23, 2020 |
| Property Address | 43 20TH AVE S, SAINT CLOUD, MN 56301-3953 |
| Document Number | 00A1580912 |
| Instrument Date | Sep 1, 2020 |
| Instrument | A1580912 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 20TH AVE S, SAINT CLOUD, MN 56301 |
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,580.00 (+0.51%) | $137,500 (-) Land $25,000 Building $112,500 | $137,500 (-) Land $25,000 Building $112,500 |
| 2025 | $137,500 (+8.01%) Land $25,000 Building $112,500 | $137,500 (+8.01%) Land $25,000 Building $112,500 | |
| 2023 | $1,572.00 | $127,300 Land $25,000 Building $102,300 | $127,300 Land $25,000 Building $102,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 458 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 |
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T.
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