Stearns County property record for 445 23rd Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 975 sqft · built 1948 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | Individual Name on File |
| Last Sale | $190,000 (Jun 2023) |
| Tax Bill | $2,060 (2026) |
| Deeds & Mortgages | Jul 2023 Sale Oct 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-45271-0002 |
| Primary APN | 82-45271-0002 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 975 sqft Living Area |
| 1st Floor Area | 780 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1948 |
|---|---|
| Effective Year Built | Effective 1948 |
| Exterior Material | Aluminum/Vinyl |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Width | 42 ft Width |
| Garage Area | 528 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 445 23RD AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-3844 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R2 |
| Legal Description | LOT 003 BLK 006 CENTRAL PARK ADD SECTION 10 TOWNSHIP 124 RANGE 028 SECTION 10 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 10 |
| Legal Subdivision | CENTRAL PARK ADD |
| Legal Block | 6 |
| Legal Lot Number | 3 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1010 |
| Census Tract | 602 |
445 23rd Ave N is owned and occupied by an individual who bought it in June 2023.
Source: Stearns County records, as of April 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 File |
|---|---|
| Mailing Address | 445 23RD AVE N, SAINT CLOUD, MN 56303-3844 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 6, 2023 | Warranty Deed, Transfer RGS TITLE, RG TITLE |
| Oct 26, 2017 | Warranty Deed, Transfer NOT AVAILABLE, HOME TITLE - EDEN PRAIRIE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jun 30, 2023 · Amount on File |
| Deed Sale | Jun 30, 2023 · Amount on File |
| Prior Sale | Oct 26, 2017 · Amount on File |
| Deed Document Number | 20231551861 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 6, 2023 |
| Property Address | 445 23RD AVE N, SAINT CLOUD, MN 56303-3844 |
| Document Number | 00A1655829 |
| Instrument Date | Jun 28, 2023 |
| Instrument | A1655829 |
| Transaction Type | Transfer |
| Record Updated | Aug 1, 2023 |
| Title Company | RGS TITLE, RG TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 445 23RD AVE N, SAINT CLOUD, MN 56303-3844 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Oct 26, 2017 |
| Property Address | 445 23RD AVE N, SAINT CLOUD, MN 56303-3844 |
| Document Number | 00A1507706 |
| Instrument Date | Oct 13, 2017 |
| Instrument | A1507706 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | NOT AVAILABLE, HOME TITLE - EDEN PRAIRIE |
| Amount | Amount on Record |
|---|---|
| Tax | $363.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 445 23RD AVE N, SAINT CLOUD, MN 56303-3844 |
The 2026 property tax bill for 445 23rd Ave N was $2,060 with a homeowner's exemption.
Source: Stearns County assessment roll, as of November 6, 2025
| 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 | $2,060.00 | ||
| 2025 | $166,800 Land $25,000 Building $141,800 | $166,800 Land $25,000 Building $141,800 | |
| 2023 | $1,754.00 | $143,300 Land $25,000 Building $118,300 | $143,300 Land $25,000 Building $118,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 445 23rd 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 445 23rd 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 647 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 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: AT&T, CenturyLink.
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