Benton County property record for 4695 3rd Street Loop NE, Saint Cloud, MN 56304 · Last verified July 2026
| Property Type | Multi-Family Dwellings |
|---|---|
| Lot Size | 0.263 acres (11,475 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $415,000 (Dec 2025) |
| Tax Bill | $158 (2026) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage Oct 2019 Transfer + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01854.00 |
| Primary APN | 17.01854.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 11,475 sqft (0.263 acres) |
| Street Address | 4695 3RD STREET LOOP NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-4675 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | SECT-33 TWP-036 RANGE-030 WATERS EDGE AT DON LAKE LOT-013 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 | 13 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20300 |
Source: Benton County records · APN 17.01854.00
Assessment roll updated July 16, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 4695 3RD STREET LOOP NE, SAINT CLOUD, MN 56304-4675 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Date | Document |
|---|---|
| Dec 05, 2025 | Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK |
| Oct 21, 2019 | Intrafamily Transfer, Transfer |
| Oct 21, 2019 | Affidavit of Death of Joint Tenant, Transfer |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Dec 05, 2025 · Amount on Record |
| Deed Sale | Dec 05, 2025 · Amount on Record |
| Prior Sale | Jan 03, 2025 · Amount on Record |
| Deed Document Number | 2025480800 |
| Prior Transfer Date | Oct 16, 2019 |
| Prior Transfer Doc | 0000438989 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Dec 05, 2025 |
| Property Address | 4695 3RD STREET LOOP NE, SAINT CLOUD, MN 56304-4675 |
| Document Number | 0000480800 |
| Instrument Date | Dec 05, 2025 |
| Instrument | 480800 |
| Transaction Type | Transfer |
| Record Updated | Dec 26, 2025 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,369.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4695 3RD STREET LOOP NE, SAINT CLOUD, MN 56304-4675 |
| Document Number | 0000480801 |
|---|---|
| Date | Dec 05, 2025 |
| Instrument | 480801 |
| Name | GATE CITY BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 01, 2056 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 21, 2019 |
| Property Address | 4695 3RD STREET LOOP NE, SAINT CLOUD, MN 56304-4675 |
| Document Number | 0000438990 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 438990 |
| Transaction Type | Transfer |
| Record Updated | Jun 07, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Revocable Trust |
| Address | 30838 COUNTY ROAD 157, MELROSE, MN 56352-8302 |
| Document Type | Affidavit of Death of Joint Tenant |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 21, 2019 |
| Property Address | 4695 3RD STREET LOOP NE, SAINT CLOUD, MN 56304-4675 |
| Document Number | 0000438989 |
| Instrument Date | Oct 16, 2019 |
| Instrument | 438989 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 30838 COUNTY ROAD 157, MELROSE, MN 56352-8302 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | Sauk Rapids-Rice Public Schools (PK - 12) |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $158.00 (-41.04%) | $387,200 (+2,481.33%) Land $60,000 Building $327,200 | $387,200 (+2,481.33%) Land $60,000 Building $327,200 |
| 2025 | $268.00 (-2.9%) | $15,000 (-) Land $15,000 | $15,000 (-) Land $15,000 |
| 2023 | $276.00 | $15,000 Land $15,000 | $15,000 Land $15,000 |
Source: FEMA National Flood Hazard Layer, Benton County (27009C), updated July 29, 2019 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 270090203002, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 1 in force |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Spectrum | Cable | 1,000 / 1,000 |
| Verizon | Fixed Wireless | 300 / 20 |
| Lumen Technologies | DSL | 140 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: T-Mobile USA. Availability varies by address; speeds are provider-advertised maximums, not measured.
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