4554 40th St S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 4554 40th St S, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,568 sqft · built 1997
Lot Size	3.68 acres (160,301 sqft)
Owner	Individual Name on Record
Last Sale	$210,000 (Oct 2018)
Tax Bill	$3,178 (2026)
Deeds & Mortgages	Oct 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-51185-0500`

Property Details

APN / Parcel Number

Primary APN	`82-51185-0500`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,568 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	160,301 sqft (3.68 acres)
Garage Area	2,280 sqft
Parking Spaces	8 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	4554 40TH ST S
City	SAINT CLOUD
State	MN
Zip	56301-8802
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	AG
Legal Description	LOT 001 BLK 001 STIMLER ADDITION SECTION 04 TOWNSHIP 123 RANGE 028 SECTION 04 TOWNSHIP 123 RANGE 028
Legal Range	28W
Legal Township	123
Legal Section	04
Legal Subdivision	STIMLER ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2009
Census Tract	401

Owner

Source: Stearns County records, as of July 30, 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 Record
Mailing Address	4554 40TH ST S, SAINT CLOUD, MN 56301-8802
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	20181530639
Prior Transfer Date	Sep 28, 2018
Prior Transfer Doc	00A1530639
Record Updated	Sep 20, 2026

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 4, 2018
Property Address	4554 40TH ST S, SAINT CLOUD, MN 56301-8802
Document Number	00A1530639
Instrument Date	Sep 28, 2018
Instrument	A1530639
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4554 40TH ST S, SAINT CLOUD, MN 56301-8802

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,178.00 (+19.29%)	$302,200 (-) Land $65,000 Building $237,200	$302,200 (-) Land $65,000 Building $237,200
2025		$302,200 (+7.7%) Land $65,000 Building $237,200	$302,200 (+7.7%) Land $65,000 Building $237,200
2023	$2,664.00	$280,600 Land $65,000 Building $215,600	$280,600 Land $65,000 Building $215,600

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 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.

Wildfire

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

Wildfire Risk	Low lower than 66% of the US · above 60% of Minnesota
Wildfire Likelihood	0.06% annual chance
Exposure	None beyond 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 3 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35
T-Mobile Fixed Wireless	100 / 20