432 4th St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 432 4th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.037 acres (1,645 sqft)
Owner	Individual Name on Record
Last Sale	$130,000 (Jul 2023)
Tax Bill	$1,004 (2026)
Deeds & Mortgages	Jul 2023 Mortgage Jul 2023 Sale & Mortgage + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.00347.00`

Property Details

APN / Parcel Number

Primary APN	`17.00347.00`

Exterior

Lot Area	1,645 sqft (0.037 acres)

Location & Zoning

Street Address	432 4TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1002
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-001 BLOCK-030 LOT LESS W 90 FT
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	30
Legal Lot Number	1
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5055
Census Tract	21201

Owner

Source: Benton County records, as of August 21, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on Record
Mailing Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 11, 2023	Deed of Trust, Mortgage · Balloon Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Jul 11, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Dec 15, 2021	Deed of Trust, Mortgage · Conventional Mortgage LENDSURE MORTGAGE CORP
May 14, 2021	Quit Claim Deed, Transfer Quitclaim
May 7, 2021	Correction Deed
Jul 27, 2020	Warranty Deed, Transfer EDGEWATER TITLE GROUP LLC, EDGEWATER TITLE GROUP

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 11, 2023 · Amount on Record
Deed Sale	Jul 11, 2023 · Amount on Record
Prior Sale	Jul 27, 2020 · Amount on Record
Deed Document Number	2023466924
Prior Transfer Date	May 13, 2021
Prior Transfer Doc	0000452314
Record Updated	Oct 29, 2026

July 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Transaction Type	Mortgage
Record Updated	Aug 14, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000466926
Date	Jul 11, 2023
Instrument	466926

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Balloon Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 11, 2023
Property Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Document Number	0000466924
Instrument Date	Jul 6, 2023
Instrument	466924
Transaction Type	Transfer
Record Updated	Jul 31, 2023
Title Company	EDGEWATER TITLE GROUP LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$429.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002

Mortgage

Document Number	0000466925
Date	Jul 11, 2023
Instrument	466925

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2053

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000457432
Date	Dec 15, 2021
Instrument	457432

Lender

Name	LENDSURE MORTGAGE CORP
Type	Mortgage Company
Address	SAN DIEGO, CA 92128

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2052

May 2021: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	May 14, 2021
Property Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Document Number	0000452314
Instrument Date	May 13, 2021
Instrument	452314
Transaction Type	Transfer
Record Updated	Aug 15, 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	343 TERRITORIAL RD NE, BLAINE, MN 55434-1544

May 2021: Correction Deed

Document Type	Correction Deed
Jurisdiction	BENTON MN
Recording Date	May 7, 2021
Property Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Document Number	0000452097
Instrument Date	Feb 26, 2021
Instrument	452097
Record Updated	Aug 15, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	343 TERRITORIAL RD NE, BLAINE, MN 55434-1544

July 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 27, 2020
Property Address	432 4TH ST SE, SAINT CLOUD, MN 56304-1002
Document Number	0000444598
Instrument Date	Jul 15, 2020
Instrument	444598
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	EDGEWATER TITLE GROUP LLC, EDGEWATER TITLE GROUP

Transaction

Amount	Amount Recorded
Tax	$99.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	343 TERRITORIAL RD NE # E, E, BLAINE, MN 55434-1544

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	$1,004.00 (+14.35%) Homeowner's exemption	$110,500 (+11.96%) Land $19,900 Building $90,600	$110,500 (+11.96%) Land $19,900 Building $90,600
2025	$878.00 (-18.4%) Homeowner's exemption	$98,700 (+16.53%) Land $19,900 Building $78,800	$98,700 (+16.53%) Land $19,900 Building $78,800
2023	$1,076.00	$84,700 Land $14,900 Building $69,800	$84,700 Land $14,900 Building $69,800

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 93% of the US · lower than 78% 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 252 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: AT&T, CenturyLink, Intrepid Fiber Networks, T-Mobile.

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