Benton County property record for 4685 1st St NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.259 acres (11,300 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $299,900 (Mar 2022) |
| Tax Bill | $5,178 (2026) |
| Deeds & Mortgages | Mar 2022 Sale & Mortgage Aug 2021 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01843.00 |
| Primary APN | 17.01843.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 11,300 sqft (0.259 acres) |
| Street Address | 4685 1ST ST NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-4676 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-33 TWP-036 RANGE-030 WATERS EDGE AT DON LAKE LOT-002 BLOCK-003 ASSOCIATION YES COMMON EL NO |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 33 |
| Legal Subdivision | WATERS EDGE AT DON LAKE |
| Legal Block | 3 |
| Legal Lot Number | 2 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20300 |
Source: Benton County records, as of July 16, 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 | 4685 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 11, 2022 | Warranty Deed, Subdivision Related Transfer · FHA Mortgage EVERETT FINANCIAL INC |
| Aug 4, 2021 | Warranty Deed, Construction Loan FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Aug 4, 2021 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 11, 2022 · Amount on Record |
| Deed Sale | Mar 11, 2022 · Amount on Record |
| Prior Sale | Aug 4, 2021 · Amount on Record |
| Deed Document Number | 2022459319 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Mar 11, 2022 |
| Property Address | 4685 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000459319 |
| Instrument Date | Mar 9, 2022 |
| Instrument | 459319 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $989.67 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4685 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000459320 |
|---|---|
| Date | Mar 11, 2022 |
| Instrument | 459320 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Aug 4, 2021 |
| Property Address | 4685 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000454394 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 454394 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $94.71 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 126I0HWY2S NE, RICE, MN 56367 |
| Investor | Possibly a Property Investor |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Aug 4, 2021 |
| Property Address | 4685 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000454393 |
| Instrument Date | Jul 15, 2021 |
| Instrument | 454393 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Tax | $75.81 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 230698, PORTLAND, OR 97281-0698 |
Source: Benton County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | Sauk Rapids-Rice Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $5,178.00 (+43.51%) Homeowner's exemption | $270,300 (+1.65%) Land $60,000 Building $210,300 | $270,300 (+1.65%) Land $60,000 Building $210,300 |
| 2023 | $3,608.00 | $265,900 Land $45,000 Building $220,900 | $265,900 Land $45,000 Building $220,900 |
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 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.
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 | 0.03% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | Saint Cloud serves 71,321 people · EPA ID MN1730027 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | None last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.
Source: FCC Broadband Data Collection, based on 28 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 |
| Starlink Satellite | 280 / 30 |
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