446 26th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 446 26th Ave N, Saint Cloud, MN 56303 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 936 sqft · built 1997
Lot Size	0.12 acres (5,227 sqft)
Owner	Individual Name on File
Last Sale	$245,000 (May 2026)
Tax Bill	$2,870 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-45415-0010`

Property Details

APN / Parcel Number

Primary APN	`82-45415-0010`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	936 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Bi-Level
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	5,227 sqft (0.12 acres)
Lot Width	42 ft Width
Garage Area	676 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	446 26TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3740
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 026 BLK 016 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	16
Legal Lot Number	26
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1013
Census Tract	601

Owner

Source: Stearns County records · APN 82-45415-0010

Assessment roll updated November 6, 2025 · Last verified July 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	446 26TH AVE N, SAINT CLOUD, MN 56303-3740
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 13, 2026 · Amount on Record
Deed Sale	May 13, 2026 · Amount on Record
Prior Sale	Sep 15, 2014 · Amount on Record
Deed Document Number	20261712960
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 13, 2026
Property Address	446 26TH AVE N, SAINT CLOUD, MN 56303-3740
Document Number	0001712960
Instrument Date	May 11, 2026
Instrument	20261712960
Transaction Type	Transfer
Record Updated	May 29, 2026
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$81,658.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	446 26TH AVE N, SAINT CLOUD, MN 56303-3740
Investor	Possibly a Property Investor

Mortgage

Document Number	0001712960,
Date	May 13, 2026
Instrument	20261712960

Lender

Name	KIND LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,870.00 (+22.54%)
2025		$217,000 (-) Land $25,000 Building $192,000	$217,000 (-) Land $25,000 Building $192,000
2023	$2,342.00	$217,000 Land $25,000 Building $192,000	$217,000 Land $25,000 Building $192,000

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 647 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
BIF IV Intrepid HoldCo	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
T-Mobile USA	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Lumen Technologies, AT&T, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.