45 14th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 45 14th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.413 acres (17,992 sqft)
Owner	Company Name on Record
Last Sale	$595,000 (Oct 2022)
Tax Bill	$12,254 (2026)
Deeds & Mortgages	Aug 2018 Mortgage May 2025 Transfer + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.01110.01`

Property Details

APN / Parcel Number

Primary APN	`17.01110.01`

Interior

Units	8 Units

Exterior

Architectural Style	Multi-Family
Lot Area	17,992 sqft (0.413 acres)

Location & Zoning

Street Address	45 14TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0955
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-36 TWP-036 RANGE-031 EASTERN PARK ADDN TO ST CLOUD LOT-001 BLOCK-003 E 98 FEET OF N 193 FEET EXC NELY TRI COR
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EASTERN PARK ADDN TO ST CLOUD
Legal Block	3
Legal Lot Number	1
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1003
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 2026

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

Owner of Record	Company Name on Record
Mailing Address	14909 TESTER RD, SNOHOMISH, WA 98290-6642
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Aug 17, 2018	Deed of Trust, Mortgage · Commercial Mortgage BANKVISTA
May 19, 2025	Quit Claim Deed, Transfer Quitclaim
Oct 27, 2022	Limited Warranty Deed, Transfer · Commercial Mortgage FLAGSHIP BANK MINNESOTA
Jan 4, 2021	Warranty Deed, Transfer · Line of Credit RELIANCE BANK
May 18, 2017	Warranty Deed, Transfer
May 18, 2017	Warranty Deed, Transfer · Commercial Mortgage BANKVISTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 27, 2022 · Amount on Record
Deed Sale	Oct 27, 2022 · Amount on Record
Prior Sale	Jan 4, 2021 · Amount on Record
Deed Document Number	2022463518
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	45 14TH AVE NE, SAINT CLOUD, MN 56304-0955
Transaction Type	Mortgage
Record Updated	Jan 20, 2026
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000431202
Date	Aug 17, 2018
Instrument	431202

Lender

Name	BANKVISTA
Type	Bank
Address	SARTELL, MN 56377

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Aug 16, 2028

May 2025: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	May 19, 2025
Property Address	45 14TH AVE NE, SAINT CLOUD, MN 56304-0955
Document Number	0000477441
Instrument Date	May 19, 2025
Instrument	477441
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1056 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0602

October 2022: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 27, 2022
Property Address	45 14TH AVE NE, SAINT CLOUD, MN 56304-0955
Document Number	0000463518
Instrument Date	Sep 23, 2022
Instrument	463518
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	TITLE SMART INC, TITLESMART INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,963.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14909 TESTER RD, SNOHOMISH, WA 98290-6642

Mortgage

Document Number	0000463519
Date	Oct 27, 2022
Instrument	463519

Lender

Name	FLAGSHIP BANK MINNESOTA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	299 Months
Due	Sep 23, 2047

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jan 4, 2021
Property Address	45 14TH AVE NE, SAINT CLOUD, MN 56304-0955
Document Number	0000448705
Instrument Date	Dec 8, 2020
Instrument	448705
Transaction Type	Transfer
Record Updated	Jan 20, 2026
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SVCS LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,485.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	102 SCHWINGHAMMER DR, ALBANY, MN 56307-4530
Investor	Possibly a Property Investor

Mortgage

Document Number	0000448706
Date	Jan 4, 2021
Instrument	448706

Lender

Name	RELIANCE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	59 Months
Due	Dec 8, 2025

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 18, 2017
Property Address	45 14TH AVE NE, SAINT CLOUD, MN 56304-0955
Document Number	0000422810
Instrument Date	May 1, 2017
Instrument	422810
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 18, 2017
Property Address	45 14TH AVE NE, SAINT CLOUD, MN 56304-0955
Document Number	0000422809
Instrument Date	May 1, 2017
Instrument	422809
Transaction Type	Transfer
Record Updated	Jan 20, 2026

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Investor	Possibly a Property Investor

Mortgage

Document Number	0000422811
Date	May 18, 2017
Instrument	422811

Lender

Name	BANKVISTA
Type	Bank
Address	SARTELL, MN 56377

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2027

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$12,254.00 (+19.83%)	$543,300 (-9.1%) Land $56,000 Building $487,300	$543,300 (-9.1%) Land $56,000 Building $487,300
2025	$10,226.00 (+30.13%)	$597,700 (+6.81%) Land $56,000 Building $541,700	$597,700 (+6.81%) Land $56,000 Building $541,700
2023	$7,858.00	$559,600 Land $56,000 Building $503,600	$559,600 Land $56,000 Building $503,600

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

Flood

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.4% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 149 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
Starlink Satellite	280 / 30

May also be available: Verizon.

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