Benton County property record for 4689 1st St NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.271 acres (11,828 sqft) |
| Owner | Individual Name on File |
| Last Sale | $311,100 (Aug 2022) |
| Tax Bill | $4,682 (2026) |
| Deeds & Mortgages | Sep 2022 Sale & Mortgage Mar 2022 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01844.00 |
| Primary APN | 17.01844.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 11,828 sqft (0.271 acres) |
| Street Address | 4689 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-003 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 | 3 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20300 |
4689 1st St NE is owned and occupied by an individual who bought it in August 2022.
Source: Benton County records, as of July 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4689 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| 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.
| Date | Document |
|---|---|
| Sep 13, 2022 | Warranty Deed, Subdivision Related Transfer · Conventional Mortgage HOME POINT FINANCIAL CORPORATION |
| Mar 22, 2022 | Quit Claim Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Mar 22, 2022 | Warranty Deed, Construction Loan FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Aug 4, 2022 · Amount on File |
| Deed Sale | Aug 4, 2022 · Amount on File |
| Prior Sale | Apr 25, 2022 · Amount on File |
| Deed Document Number | 20221457691 |
| Prior Transfer Date | Mar 15, 2022 |
| Prior Transfer Doc | 0000459546 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Sep 13, 2022 |
| Property Address | 4689 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000462819 |
| Instrument Date | Aug 4, 2022 |
| Instrument | 462819 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,026.63 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4689 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000462820 |
|---|---|
| Date | Sep 13, 2022 |
| Instrument | 462820 |
| Name | HOME POINT FINANCIAL CORPORATION |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Sep 1, 2052 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Mar 22, 2022 |
| Property Address | 4689 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000459546 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 459546 |
| Transaction Type | Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $95.14 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 230698, PORTLAND, OR 97281-0698 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Mar 22, 2022 |
| Property Address | 4689 1ST ST NE, SAINT CLOUD, MN 56304-4676 |
| Document Number | 0000459547 |
| Instrument Date | Mar 15, 2022 |
| Instrument | 459547 |
| Transaction Type | Construction Loan |
| Record Updated | Jul 21, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount on Record |
|---|---|
| Tax | $99.10 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 12610 HIGHWAY 25 NE, RICE, MN 56367-4587 |
| Investor | Possibly a Property Investor |
The 2026 property tax bill for 4689 1st St NE was $4,682 with a homeowner's exemption.
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 | $4,682.00 Homeowner's exemption | $303,100 Land $60,000 Building $243,100 | $303,100 Land $60,000 Building $243,100 |
| 2023 | $156.00 | $298,000 Land $45,000 Building $253,000 | $298,000 Land $45,000 Building $253,000 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4689 1st St NE 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 risk around 4689 1st St NE is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
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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