4690 64th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 4690 64th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,514 sqft · built 1980
Lot Size	3.33 acres (145,055 sqft)
Owner	2 Individual Names on Record
Tax Bill	$5,738 (2025)
Deeds & Mortgages	Dec 2022 Second Mortgage Aug 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-440-0040`

Property Details

APN / Parcel Number

Primary APN	`25-440-0040`
Alternative APNs	`25-00440-0040` `17629`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Stories	2 Stories
Building Area	1,514 sqft Living Area
1st Floor Area	1,514 sqft
Basement Area	34 sqft
Unfinished Basement	34 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1980
Effective Year Built	Effective 1985
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	145,055 sqft (3.33 acres)
Garage Type	Attached
Garage Area	624 sqft
Driveway	Driveway

Exterior Amenities

Porch	Open Porch
Porch Area	198 sqft
Deck Area	447 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	4690 64TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-4500
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	TRACT D
Legal Range	30W
Legal Township	35N
Legal Section	34
Legal Subdivision	REGISTERED LAND SURVEY NO 36
Legal Tract	D
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1011
Census Tract	30302

Owner

Source: Sherburne County records, as of August 4, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on Record
Mailing Address	4690 64TH ST SE, SAINT CLOUD, MN 56304-4500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 5, 2022	Deed of Trust, Mortgage · Stand-Alone Second Mortgage SPIRE CU
Aug 18, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL G USA LLC
Mar 25, 2021	Deed of Trust, Mortgage · Conventional Mortgage BANKVISTA

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

December 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	4690 64TH ST SE, SAINT CLOUD, MN 56304-4500
Transaction Type	Mortgage
Record Updated	Dec 14, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000061345
Date	Dec 5, 2022
Instrument	61345

Lender

Name	SPIRE CU
Type	Credit Union
Address	SAINT PAUL, MN 55113

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Nov 15, 2027

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 18, 2021
Property Address	4690 64TH ST SE, SAINT CLOUD, MN 56304-4500
Document Number	0000059528
Instrument Date	Aug 13, 2021
Instrument	59528
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	KEY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$2,079.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4690 64TH ST SE, SAINT CLOUD, MN 56304-4500

Mortgage

Document Number	0000059529
Date	Aug 18, 2021
Instrument	59529

Lender

Name	HOMEOWNERS FINANCIAL G USA LLC
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2051

Interest

Rate Type	Fixed Rate

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	4690 64TH ST SE, SAINT CLOUD, MN 56304-4500
Transaction Type	Mortgage
Record Updated	Apr 14, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000058726
Date	Mar 25, 2021
Instrument	58726

Lender

Name	BANKVISTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Mar 30, 2026

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$651,800 (-0.18%) Land $283,000 Building $368,800	$651,800 (-0.18%) Land $283,000 Building $368,800
2025	$5,738.00 (+8.18%)	$653,000 (+0.03%) Land $280,000 Building $373,000	$653,000 (+0.03%) Land $280,000 Building $373,000
2023	$5,304.00	$652,800 Land $280,200 Building $372,600
2021			$652,800 Land $280,200 Building $372,600

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 November 16, 2011 · 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	2 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

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	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.

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
CenturyLink DSL	100 / 10
Verizon Fixed Wireless	25 / 6

May also be available: Midco.

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