Sherburne County property record for 4476 15th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,397 sqft · built 1986 |
| Lot Size | 2.5 acres (108,900 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,582 (2025) |
| Deeds & Mortgages | Feb 2026 Line of Credit Mar 2020 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-414-0120 |
| Primary APN | 25-414-0120 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Building Area | 1,397 sqft Living Area |
| 1st Floor Area | 1,393 sqft |
| Basement Area | 1,195 sqft |
| Finished Basement | 1,195 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Wood |
| Interior Walls | Custom/Decorative |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1986 |
|---|---|
| Effective Year Built | Effective 1986 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 108,900 sqft (2.5 acres) |
| Garage Type | Attached |
| Garage Area | 624 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 83 sqft |
| Deck Area | 522 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 17393 |
|---|---|
| Street Address | 4476 15TH AVE SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-9542 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 2, BLK 1. PLUS EASEMENT OVER & ACROSS PT OF OUTLOT A |
| Legal Range | 31W |
| Legal Township | 35N |
| Legal Section | 25 |
| Legal Subdivision | PRAIRIE WOODS ESTATES |
| Legal Block | 1 |
| Legal Lot Number | 2 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 30302 |
4476 15th Ave SE is owned and occupied by an individual.
Source: Sherburne County records, as of September 15, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4476 15TH AVE SE, SAINT CLOUD, MN 56304-9542 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Feb 6, 2026 | Deed of Trust, Mortgage · Line of Credit FIGURE LENDING LLC |
| Mar 30, 2020 | Grant Deed, Transfer HOMEOWNERS FIN'L GRP USA |
| Mar 30, 2020 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 4476 15TH AVE SE, SAINT CLOUD, MN 56304-9542 |
| Transaction Type | Mortgage |
| Record Updated | Feb 20, 2026 |
| Name | Verified Name |
|---|---|
| Address | 4476 15TH AVE SE, SAINT CLOUD, MN 56304-9542 |
| Document Number | 0000993890 |
|---|---|
| Date | Feb 6, 2026 |
| Instrument | 993890 |
| Name | FIGURE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | CHARLOTTE, NC 28202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Feb 23, 2056 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 30, 2020 |
| Property Address | 4476 15TH AVE SE, SAINT CLOUD, MN 56304-9542 |
| Document Number | 0000888896 |
| Instrument Date | Mar 23, 2020 |
| Instrument | 888896 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $528.00 |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4476 15TH AVE SE ST CLOUD MN 563049542, ST CLOUD, MN 56304-9542 |
| Document Number | 888897 |
|---|---|
| Date | Mar 30, 2020 |
| Instrument | 888897 |
| Name | HOMEOWNERS FIN'L GRP USA |
|---|---|
| Type | Funding / Finance Company |
| Address | SCOTTSDALE, AZ 85254 |
| Amount | Amount on Record |
|---|---|
| Term | 360 Months |
| Due | Mar 29, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 30, 2020 |
| Property Address | 4476 15TH AVE SE, SAINT CLOUD, MN 56304-9542 |
| Document Number | 0000888895 |
| Instrument Date | Mar 19, 2020 |
| Instrument | 888895 |
| Transaction Type | Transfer |
| Record Updated | May 29, 2020 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE |
| Amount | Amount on Record |
|---|---|
| Tax | $2.00 |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4476 15TH AVE SE ST CLOUD MN 563049542, ST CLOUD, MN 56304-9542 |
The 2025 property tax bill for 4476 15th Ave SE was $3,582 with a homeowner's exemption.
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $436,800 (+0.21%) Land $124,800 Building $312,000 | $436,800 (+0.21%) Land $124,800 Building $312,000 | |
| 2025 | $3,582.00 | $435,900 Land $122,700 Building $313,200 | $435,900 Land $122,700 Building $313,200 |
| 2023 | $3,242.00 | $415,300 Land $139,300 Building $276,000 | |
| 2021 | $415,300 Land $139,300 Building $276,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4476 15th Ave SE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4476 15th Ave SE is low, with a 0.03% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 60 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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