4617 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 4617 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	5 bd · 2.25 ba · 2,107 sqft · built 1941
Lot Size	3.4 acres (148,104 sqft)
Owner	2 Individual Names on File
Last Sale	$245,000 (Mar 2019)
Tax Bill	$3,222 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Mar 2019 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`09.00624.00`

Property Details

APN / Parcel Number

Primary APN	`09.00624.00`

Interior

Bedrooms	5 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	2,107 sqft Living Area
1st Floor Area	1,444 sqft
Basement Area	795 sqft
Finished Basement	795 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1941
Effective Year Built	Effective 1981
Exterior Material	Aluminum Siding
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	148,104 sqft (3.4 acres)
Garage Area	754 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	4617 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-9430
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-34 TWP-036 RANGE-030 3.40 AC SW1/4 NW1/4 AKA GOV LOT 3 COMM 250 FT E OF SW COR TH E ON S LINE 425 FT TH N 710 FT TH SWLY
Legal Range	030
Legal Township	036
Legal Section	34
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2057
Census Tract	20300

Owner

4617 2nd St SE is owned and occupied by two individuals who bought it in March 2019.

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

Owner of Record	2 Individual Names on File
Mailing Address	4617 2ND ST SE, SAINT CLOUD, MN 56304-9430
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

Date	Document
Oct 4, 2021	Deed of Trust, Mortgage · FHA Mortgage EMBRACE HOME LOANS INC
Mar 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage BROKER SOLUTIONS INC
Nov 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL MINNESOTA CU
Mar 19, 2019	Warranty Deed, Transfer · FHA Mortgage BROKER SOLUTIONS INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 19, 2019 · Amount on File
Deed Sale	Mar 19, 2019 · Amount on File
Prior Sale	Jun 6, 2011 · Amount on File
Deed Document Number	2019434713
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	4617 2ND ST SE, SAINT CLOUD, MN 56304-9430
Transaction Type	Mortgage
Record Updated	Oct 19, 2021
Title Company	EQUITY NATIONAL TITLE LLC, EQUITY NATL TTL & CLOSING SV

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	455807
Date	Oct 4, 2021
Instrument	455807

Lender

Name	EMBRACE HOME LOANS INC
Type	Mortgage Company
Address	MIDDLETOWN, RI 02842

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Oct 1, 2051

March 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	4617 2ND ST SE, SAINT CLOUD, MN 56304-9430
Transaction Type	Mortgage
Record Updated	Feb 7, 2021
Title Company	RESULTS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	434818
Date	Mar 27, 2019
Instrument	434818

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company
Address	TUSTIN, CA 92780

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

November 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	4617 2ND ST SE, SAINT CLOUD, MN 56304-9430
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	439862
Date	Nov 27, 2019
Instrument	439862

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	SAINT JOSEPH, MN 56374

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	240 Months
Due	Nov 16, 2039

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 19, 2019
Property Address	4617 2ND ST SE, SAINT CLOUD, MN 56304-9430
Document Number	434713
Instrument Date	Feb 25, 2019
Instrument	434713
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$808.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	4617 2ND ST SE, SAINT CLOUD, MN 56304-9430

Mortgage

Document Number	434714
Date	Mar 19, 2019
Instrument	434714

Lender

Name	BROKER SOLUTIONS INC
Type	Funding / Finance Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 1, 2049

Tax Assessment & Valuation

The 2026 property tax bill for 4617 2nd St SE was $3,222 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
County Subdivision	Minden Township
Unified School District	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,222.00 Homeowner's exemption	$361,300 Land $65,000 Building $296,300	$361,300 Land $65,000 Building $296,300
2023	$3,014.00	$363,000 Land $60,700 Building $302,300	$363,000 Land $60,700 Building $302,300

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

Flood

FEMA maps place 4617 2nd St SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · 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 4617 2nd St SE is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 65% of the US · above 61% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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 49 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
CenturyLink DSL	140 / 20

May also be available: T-Mobile.

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