Stearns County property record for 4609 40th St S, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,092 sqft · built 1970 |
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Individual Name on Record |
| Tax Bill | $4 (2025) |
| Deeds & Mortgages | Jan 2021 Sale Jul 2019 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-44152-0746 |
| Primary APN | 82-44152-0746 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,092 sqft Living Area |
| Year Built | Built 1970 |
|---|---|
| Effective Year Built | Effective 1970 |
| Exterior Material | Metal |
| Roof Material | Asphalt |
| Lot Area | 34,848 sqft (0.8 acres) |
| Lot Width | 105 ft Width |
| Garage Area | 1,232 sqft |
| Parking Spaces | 5 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 4609 40TH ST S |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-8845 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | AG |
| Legal Description | .80A S333' OF E105' OF W375' OF SW4SW4, SUBJECT TO ROAD #122 OVER S33' OLD # 30.19147.000 SECTION 33 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 33 |
| Legal Subdivision | METES AND BOUNDS DESC. |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2008 |
| Census Tract | 401 |
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 | 4609 40TH ST S, SAINT CLOUD, MN 56301-8845 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 12, 2021 | Deed, Transfer |
| Jul 26, 2019 | Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 6, 2021 |
| Transfer Doc | 00A1591516 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jan 12, 2021 |
| Property Address | 4609 40TH ST S, SAINT CLOUD, MN 56301-8845 |
| Document Number | 00A1591516 |
| Instrument Date | Jan 6, 2021 |
| Instrument | A1591516 |
| Transaction Type | Transfer |
| Record Updated | Nov 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4609 40TH ST S, SAINT CLOUD, MN 56301-8845 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 26, 2019 |
| Property Address | 4609 40TH ST S, SAINT CLOUD, MN 56301-8845 |
| Document Number | 00A1548673 |
| Instrument Date | Jul 24, 2019 |
| Instrument | A1548673 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $235,800 (-) Land $50,000 Building $185,800 | $235,800 (-) Land $50,000 Building $185,800 | |
| 2025 | $4.00 (-5%) | $235,800 (+7.72%) Land $50,000 Building $185,800 | $235,800 (+7.72%) Land $50,000 Building $185,800 |
| 2024 | $8.00 (-99.63%) | ||
| 2023 | $2,156.00 | $218,900 Land $35,000 Building $183,900 | $218,900 Land $35,000 Building $183,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Moderate above 42% of the US · above 72% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.05% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 50 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
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