Stearns County property record for 4312 Thru St, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,052 sqft · built 1988 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,340 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-47187-0572 |
| Primary APN | 82-47187-0572 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 4 Rooms |
| Stories | 4 Stories |
| Building Area | 1,052 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Width | 101 ft Width |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 4312 THRU ST |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-0337 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 3 LESS E1'; BLK 2 OLD # 30.19697.000 GRAND TIERRA PLAT 2 TO ST CLOUD SECTION 04 TOWNSHIP 124 RANGE 028 GRAND TIERRA PLAT |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 04 |
| Legal Subdivision | GRAND TIERRA PLAT 2 TO ST CLOUD |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2015 |
| Census Tract | 1003 |
Source: Stearns County records · APN 82-47187-0572
Assessment roll updated July 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 4312 THRU ST, SAINT CLOUD, MN 56303-0337 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,340.00 (+21.81%) | $246,100 (-) Land $40,000 Building $206,100 | $246,100 (-) Land $40,000 Building $206,100 |
| 2025 | $246,100 (-) Land $40,000 Building $206,100 | $246,100 (-) Land $40,000 Building $206,100 | |
| 2023 | $2,742.00 | $246,100 Land $40,000 Building $206,100 | $246,100 Land $40,000 Building $206,100 |
Source: FEMA National Flood Hazard Layer as of September 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Low lower than 99.1% of the US · lower than 96% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| BIF IV Intrepid HoldCo Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Lumen Technologies DSL · Fiber in parts of the area | 140 / 20 |
May also be available: Verizon.
Based on FCC filings for 286 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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