430 5th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 430 5th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (Dec 2025)
Tax Bill	$1,878 (2026)
Deeds & Mortgages	Dec 2022 Second Mortgage Dec 2025 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.01020.00`

Property Details

APN / Parcel Number

Primary APN	`17.01020.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	430 5TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0325
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-002 BLOCK-031
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	31
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4016
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	Individual Name on Record
Mailing Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROSPERITY HOME MORTGAGE LLC
Dec 16, 2025	Warranty Deed, Transfer · VA Mortgage MORTGAGE RESEARCH CENTER LLC
Dec 28, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage PROSPERITY HOME MORTGAGE LLC
Dec 28, 2022	Personal Representative Deed, Transfer · FHA Mortgage PROSPERITY HOME MORTGAGE LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 16, 2025 · Amount on Record
Deed Sale	Dec 16, 2025 · Amount on Record
Prior Sale	Dec 28, 2022 · Amount on Record
Deed Document Number	2025480971
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325
Transaction Type	Mortgage
Record Updated	Jan 7, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000464432
Date	Dec 28, 2022
Instrument	464432

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Dec 16, 2025
Property Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325
Document Number	0000480971
Instrument Date	Dec 5, 2025
Instrument	480971
Transaction Type	Transfer
Record Updated	Jan 7, 2026
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$587.40
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325

Mortgage

Document Number	0000480972
Date	Dec 16, 2025
Instrument	480972

Lender

Name	MORTGAGE RESEARCH CENTER LLC
Type	Mortgage Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2056

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325
Transaction Type	Mortgage
Record Updated	Jan 13, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000464432
Date	Dec 28, 2022
Instrument	464432

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

December 2022: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	BENTON MN
Recording Date	Dec 28, 2022
Property Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325
Document Number	0000464430
Instrument Date	Dec 16, 2022
Instrument	464430
Transaction Type	Transfer
Record Updated	Jan 13, 2023
Title Company	FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$478.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	430 5TH AVE NE, SAINT CLOUD, MN 56304-0325

Mortgage

Document Number	0000464431
Date	Dec 28, 2022
Instrument	464431

Lender

Name	PROSPERITY HOME MORTGAGE LLC
Type	Mortgage Company
Address	CHANTILLY, VA 20151

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2053

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	$1,878.00 (+14.51%) Homeowner's exemption	$169,600 (+12.54%) Land $25,000 Building $144,600	$169,600 (+12.54%) Land $25,000 Building $144,600
2025	$1,640.00 (+1.74%)	$150,700 (+1.69%) Land $25,000 Building $125,700	$150,700 (+1.69%) Land $25,000 Building $125,700
2023	$1,612.00	$148,200 Land $25,000 Building $123,200	$148,200 Land $25,000 Building $123,200

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

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink.

Nearby Properties on 5th Ave NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures