4546 32nd St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 4546 32nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 672 sqft · built 1948
Lot Size	1.58 acres (68,825 sqft)
Owner	Individual Name on File
Last Sale	$138,000 (Sep 2019)
Tax Bill	$1,598 (2025)
Deeds & Mortgages	Sep 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`25-015-2300`

Property Details

APN / Parcel Number

Primary APN	`25-015-2300`
Alternative APNs	`25-00015-2300` `1880`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	672 sqft Living Area
1st Floor Area	672 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Laminate Plank
Interior Walls	Plaster

Exterior

Year Built	Built 1948
Effective Year Built	Effective 1954
Exterior Material	Fiber Cement Siding
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	68,825 sqft (1.58 acres)
Garage Type	Detached
Garage Area	240 sqft
Driveway	Driveway
Porch	Porch
Porch Area	98 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	1880
Street Address	4546 32ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-9720
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	THE W 241 FT OF THE S 361.50 FT OF THE SW 1/4 OF NW 1/4 SUBJ TO ROAD R-O-W OVER THE W 33 FT AND THE S 50 FT THEREOF. EXCEPT
Legal Range	30W
Legal Township	35N
Legal Section	15
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1023
Census Tract	30301

Owner

4546 32nd St SE is owned and occupied by an individual who bought it in September 2019.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	Individual Name on File
Mailing Address	4546 32ND ST SE, SAINT CLOUD, MN 56304-9720
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.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Sep 25, 2019 · Amount on File
Deed Sale	Sep 25, 2019 · Amount on File
Prior Sale	Jul 6, 2015 · Amount on File
Deed Document Number	2019879222
Prior Transfer Date	Mar 21, 2019
Prior Transfer Doc	0000869878
Record Updated	Oct 29, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 25, 2019
Property Address	4546 32ND ST SE, SAINT CLOUD, MN 56304-9720
Document Number	0000879222
Instrument Date	Sep 16, 2019
Instrument	879222
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$455.40
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4546 32ND ST SE, SAINT CLOUD, MN 56304-9720

Mortgage

Document Number	0000879223
Date	Sep 26, 2019
Instrument	879223

Lender

Name	PLAZA HOME MORTGAGE BANK
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2049

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 4546 32nd St SE was $1,598 with a homeowner's exemption.

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$216,300 (+0.14%) Land $101,500 Building $114,800	$216,300 (+0.14%) Land $101,500 Building $114,800
2025	$1,598.00	$216,000 Land $101,200 Building $114,800	$216,000 Land $101,200 Building $114,800
2023	$1,320.00	$199,700 Land $94,200 Building $105,500
2021			$199,700 Land $94,200 Building $105,500

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

Flood

FEMA maps place 4546 32nd St SE in Zone X, an area of minimal flood risk.

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 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

Wildfire risk around 4546 32nd St SE is low, with a 0.02% 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	0.02% annual chance
Exposure	Indirect within ember reach

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

Internet Providers

Source: FCC Broadband Data Collection, based on 2 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20