Stearns County property record for 440 20th Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,146 sqft · built 1886 |
| Lot Size | 0.13 acres (5,663 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,562 (2026) |
| Deeds & Mortgages | Oct 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-45804-0000 |
| Primary APN | 82-45804-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,146 sqft Living Area |
| 1st Floor Area | 876 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1886 |
|---|---|
| Effective Year Built | Effective 1886 |
| Exterior Material | Metal |
| Roof Material | Asphalt |
| Lot Area | 5,663 sqft (0.13 acres) |
| Lot Width | 44 ft Width |
| Garage Area | 486 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | None |
|---|---|
| Heating Fuel | Gas |
| Street Address | 440 20TH AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-3831 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 020 BLK 003 COATES, COOPER & FREEMAN'S ADD SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 10 |
| Legal Subdivision | COATES COOPER FREEMANS ADD |
| Legal Block | 3 |
| Legal Lot Number | 20 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1002 |
| Census Tract | 602 |
440 20th Ave N is owned and occupied by an individual.
Source: Stearns County records, as of July 30, 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 File |
|---|---|
| Mailing Address | 440 20TH AVE N, SAINT CLOUD, MN 56303-3831 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Personal Representative Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Oct 17, 2023 |
| Property Address | 440 20TH AVE N, SAINT CLOUD, MN 56303-3831 |
| Document Number | 00A1661918 |
| Instrument Date | Oct 6, 2023 |
| Instrument | A1661918 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 440 20TH AVE N, SAINT CLOUD, MN 56303-3831 |
The 2026 property tax bill for 440 20th Ave N was $1,562.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $1,562.00 | $136,300 (-) Land $25,000 Building $111,300 | $136,300 (-) Land $25,000 Building $111,300 |
| 2025 | $136,300 Land $25,000 Building $111,300 | $136,300 Land $25,000 Building $111,300 | |
| 2023 | $1,232.00 | $126,200 Land $25,000 Building $101,200 | $126,200 Land $25,000 Building $101,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 440 20th Ave N in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024
| 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 440 20th Ave N 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 515 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 · Fiber in parts of the area | 1,000 / 1,000 |
| CenturyLink DSL | 140 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Verizon.
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