4315 Thru St, Saint Cloud, MN 56303 Property Records

Stearns County property record for 4315 Thru St, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,620 sqft · built 1973
Lot Size	0.39 acres (16,988 sqft)
Owner	Company on Record
Tax Bill	$3,946 (2026)
Deeds & Mortgages	Nov 2022 Transfer Oct 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-47187-0567`

Property Details

APN / Parcel Number

Primary APN	`82-47187-0567`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,620 sqft Living Area
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1973
Effective Year Built	Effective 1973
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	16,988 sqft (0.39 acres)
Lot Width	104 ft Width
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4315 THRU ST
City	SAINT CLOUD
State	MN
Zip	56303-0362
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 009 BLK 001 GRAND TIERRA PLAT 2 TO ST CLOUD SECTION 04 TOWNSHIP 124 RANGE 028 SECTION 04 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	04
Legal Subdivision	GRAND TIERRA PLAT 2 TO ST CLOUD
Legal Block	1
Legal Lot Number	9
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2009
Census Tract	1003

Owner

Source: Stearns County assessment roll, 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	Company on Record
Mailing Address	4315 THRU ST, SAINT CLOUD, MN 56303-0362
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Date	Document
Nov 30, 2022	Quit Claim Deed, Transfer Quitclaim
Oct 3, 2022	Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

November 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 30, 2022
Property Address	4315 THRU ST, SAINT CLOUD, MN 56303-0362
Document Number	00A1645290
Instrument Date	Nov 18, 2022
Instrument	A1645290
Transaction Type	Transfer
Record Updated	Dec 27, 2022

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	4315 THRU ST, SAINT CLOUD, MN 56303-0362

October 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 3, 2022
Property Address	4315 THRU ST, SAINT CLOUD, MN 56303-0362
Document Number	00A1641911
Instrument Date	Sep 26, 2022
Instrument	A1641911
Transaction Type	Transfer
Record Updated	Nov 9, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4315 THRU ST, SAINT CLOUD, MN 56303-0362

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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	$3,946.00 (+22.24%)	$283,700 (-) Land $40,000 Building $243,700	$283,700 (-) Land $40,000 Building $243,700
2025		$283,700 (+4.26%) Land $40,000 Building $243,700	$283,700 (+4.26%) Land $40,000 Building $243,700
2023	$3,228.00	$272,100 Land $40,000 Building $232,100	$272,100 Land $40,000 Building $232,100

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 September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

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 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 286 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
CenturyLink DSL · Fiber in parts of the area	140 / 20

May also be available: Verizon.

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