4712 5th St NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 4712 5th St NE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.474 acres (20,664 sqft)
Owner	2 Individual Names on Record
Last Sale	$379,900 (Jul 2026)
Tax Bill	$302 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Jul 2026 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01888.00`

Property Details

APN / Parcel Number

Primary APN	`17.01888.00`

Exterior

Architectural Style	Multi-Family
Lot Area	20,664 sqft (0.474 acres)

Location & Zoning

Street Address	4712 5TH ST NE
City	SAINT CLOUD
State	MN
Zip	56304-4672
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-009 BLOCK-007 ASSOCIATION YES COMMON EL NO
Legal Range	030
Legal Township	036
Legal Section	33
Legal Subdivision	WATERS EDGE AT DON LAKE
Legal Block	7
Legal Lot Number	9
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2071
Census Tract	20300

Owner

Source: Benton County records, as of October 15, 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	4712 5TH ST NE, SAINT CLOUD, MN 56304-4672
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Date	Document
Jul 30, 2026	Warranty Deed, Subdivision Related Transfer · Conventional Mortgage US BANK
Jul 30, 2026	Warranty Deed, Subdivision Related Transfer LAND TITLE
Dec 2, 2025	Warranty Deed, Transfer LAND TITLE CORPORATION, LAND TITLE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 30, 2026 · Amount on Record
Deed Sale	Jul 30, 2026 · Amount on Record
Prior Sale	Dec 2, 2025 · Amount on Record
Deed Document Number	2026484851
Record Updated	Oct 29, 2026

July 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 30, 2026
Property Address	4712 5TH ST NE, SAINT CLOUD, MN 56304-4672
Document Number	0000484851
Instrument Date	Jul 10, 2026
Instrument	2026484851
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 16, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$126,620.67
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	4712 5TH ST NE, SAINT CLOUD, MN 56304-4672

Mortgage

Document Number	0000484852,
Date	Jul 30, 2026
Instrument	2026484852

Lender

Name	US BANK

Agreement

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

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

July 2026: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 30, 2026
Property Address	4712 5TH ST NE, SAINT CLOUD, MN 56304-4672
Document Number	0000484851
Instrument Date	Jul 10, 2026
Instrument	2026484851
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 31, 2026
Title Company	LAND TITLE

Transaction

Amount	Amount Recorded
Tax	$126,620.67
Amount Accuracy	Full Amount Stated
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	4712 5TH ST NE, SAINT CLOUD, MN 56304-4672

December 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Dec 2, 2025
Property Address	4712 5TH ST NE, SAINT CLOUD, MN 56304-4672
Document Number	0000480708
Instrument Date	Nov 26, 2025
Instrument	480708
Transaction Type	Transfer
Record Updated	Dec 22, 2025
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount Recorded
Tax	$297.00
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	14015 SUNFISH LAKE BLVD NW, RAMSEY, MN 55303-4890

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
Municipality	St. Cloud City
Unified School District	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$302.00 (-21.35%)	$80,000 (+433.33%) Land $60,000 Building $20,000	$80,000 (+433.33%) Land $60,000 Building $20,000
2025	$384.00 (+39.13%)	$15,000 (-) Land $15,000	$15,000 (-) Land $15,000
2023	$276.00	$15,000 Land $15,000	$15,000 Land $15,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 49 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
CenturyLink DSL	140 / 20

May also be available: T-Mobile.

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