46324 430th St, Sauk Centre, MN 56378 Property Records

Stearns County property record for 46324 430th St, Sauk Centre, MN 56378

Property Summary

Property Type	Rural Home
Details	3 bd · 1 ba · 1,660 sqft · built 1997
Lot Size	40 acres (1,742,400 sqft)
Owner	2 Individual Names on Record
Last Sale	$410,000 (Jul 2026)
Tax Bill	$2,396 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`02-00412-0000`

Property Details

APN / Parcel Number

Primary APN	`02-00412-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,660 sqft Living Area
Gross Area	1,960 sqft
1st Floor Area	1,500 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1997
Effective Year Built	Effective 1997
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	1,742,400 sqft (40 acres)
Garage Area	1,120 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	46324 430TH ST
City	SAUK CENTRE
State	MN
Zip	56378-8154
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	RPMKT
Legal Description	40.00A SW4SW4 TRACT SWSW SECTION 03 TOWNSHIP 126 RANGE 035 TRACT SWSW SECTION 03 TOWNSHIP 126 RANGE 035
Legal Range	35W
Legal Township	126
Legal Section	03
Jurisdiction	STEARNS MN
Township / Civil Division	ASHLEY
Census Block Group	1
Census Block	1029
Census Tract	11500

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	2 Individual Names on Record
Mailing Address	46324 430TH ST, SAUK CENTRE, MN 56378-8154
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2026 · Amount on Record
Deed Sale	Jul 13, 2026 · Amount on Record
Deed Document Number	20261716861
Record Updated	Sep 20, 2026

July 2026: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 13, 2026
Property Address	46324 430TH ST, SAUK CENTRE, MN 56378-8154
Document Number	0001716861
Instrument Date	Jul 10, 2026
Instrument	20261716861
Transaction Type	Transfer
Record Updated	Jul 30, 2026
Title Company	MAIN STREET TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$136,653.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	46324 430TH ST, SAUK CENTRE, MN 56378-8154

Mortgage

Document Number	0001716862,
Date	Jul 13, 2026
Instrument	20261716862

Lender

Name	USAA FSB

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.53%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Ashley Township
Unified School District	Sauk Centre Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,396.00 (+8.81%)	$418,200 (+3.59%) Land $180,800 Building $237,400	$418,200 (+3.59%) Land $180,800 Building $237,400
2025		$403,700 (+9.55%) Land $168,900 Building $234,800	$403,700 (+9.55%) Land $168,900 Building $234,800
2023	$2,202.00	$368,500 Land $147,600 Building $220,900	$368,500 Land $147,600 Building $220,900

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	Moderate above 40% of the US · above 69% of Minnesota
Wildfire Likelihood	0.04% 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 1 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Runestone Telephone Association Fiber	1,000 / 1,000
GigFire Fixed Wireless	150 / 130

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