Benton County property record for 435 Raymond Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.142 acres (6,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (May 2025) |
| Tax Bill | $1,312 (2026) |
| Deeds & Mortgages | May 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01031.00 |
| Primary APN | 17.01031.00 |
|---|
| Lot Area | 6,199 sqft (0.142 acres) |
|---|
| Street Address | 435 RAYMOND AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0343 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-016 BLOCK-031 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 35 |
| Legal Subdivision | ST CLOUD PARK |
| Legal Block | 31 |
| Legal Lot Number | 16 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4016 |
| Census Tract | 21201 |
435 Raymond Ave NE is owned and occupied by an individual who bought it in May 2025.
Source: Benton County records, as of July 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 435 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 30, 2025 · Amount on File |
| Deed Sale | May 30, 2025 · Amount on File |
| Prior Sale | Mar 11, 2016 · Amount on File |
| Deed Document Number | 2025477639 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | May 30, 2025 |
| Property Address | 435 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343 |
| Document Number | 0000477639 |
| Instrument Date | May 9, 2025 |
| Instrument | 477639 |
| Transaction Type | Transfer |
| Record Updated | Jan 20, 2026 |
| Title Company | UNIQUE TITLE AND ESCROW INC |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $462.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 435 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0343 |
| Document Number | 0000477640 |
|---|---|
| Date | May 30, 2025 |
| Instrument | 477640 |
| Name | ENVISION CAPITAL INC |
|---|---|
| Type | Non-Lending Institution |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2055 |
| Document Number | 0000477641 |
|---|---|
| Date | May 30, 2025 |
| Instrument | 477641 |
| Name | HOUSING AND REDEVELMENT AUTHORITY OF ST |
|---|---|
| Type | Government Agency |
| Amount | Amount on Record |
|---|
The 2026 property tax bill for 435 Raymond Ave NE was $1,312, down 49.5% from the year before.
Source: Benton County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,312.00 (-49.5%) | $130,800 (+11.79%) Land $25,000 Building $105,800 | $130,800 (+11.79%) Land $25,000 Building $105,800 |
| 2025 | $2,598.00 | $117,000 Land $25,000 Building $92,000 | $117,000 Land $25,000 Building $92,000 |
| 2023 | $2,512.00 | $115,200 Land $25,000 Building $90,200 | $115,200 Land $25,000 Building $90,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 435 Raymond Ave NE in Zone X, an area of minimal flood risk.
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.
The area around 435 Raymond Ave NE has no burnable land within ember reach, so its wildfire risk is not rated.
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 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.
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