4715 4th Street Loop NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 4715 4th Street Loop NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.247 acres (10,798 sqft)
Owner	Individual Name on Record
Last Sale	$158,000 (Nov 2013)
Tax Bill	$4,650 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit Dec 2019 Second Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01873.00`

Property Details

APN / Parcel Number

Primary APN	`17.01873.00`

Exterior

Lot Area	10,798 sqft (0.247 acres)

Location & Zoning

Street Address	4715 4TH STREET LOOP NE
City	SAINT CLOUD
State	MN
Zip	56304-4673
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-33 TWP-036 RANGE-030 WATERS EDGE AT DON LAKE LOT-004 BLOCK-006
Legal Range	030
Legal Township	036
Legal Section	33
Legal Subdivision	WATERS EDGE AT DON LAKE
Legal Block	6
Legal Lot Number	4
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2072
Census Tract	20300

Owner

Source: Benton County records, as of July 22, 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	4715 4TH STREET LOOP NE, SAINT CLOUD, MN 56304-4673
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2026	Deed of Trust, Mortgage · Line of Credit AFFINITY PLUS FEDERAL CREDIT UNION
Dec 27, 2019	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Aug 6, 2019	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 27, 2013 · Amount on Record
Deed Sale	Nov 27, 2013 · Amount on Record
Prior Sale	Mar 3, 2011 · Amount on Record
Deed Document Number	2013400836
Record Updated	Oct 29, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jun 17, 2026
Property Address	4715 4TH STREET LOOP NE, SAINT CLOUD, MN 56304-4673
Document Number	0000483999
Instrument Date	Jun 5, 2026
Instrument	2026483999
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000483999,
Date	Jun 17, 2026
Instrument	2026483999

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Jun 20, 2036

Interest

Rate Type	Balloon
Rate	6.37%
Initial Type	Balloon
Max Rate	-1%

December 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	4715 4TH STREET LOOP NE, SAINT CLOUD, MN 56304-4673
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	TITLE RECORDING SERVICES, TITLE RECORDING SERVICES INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	440440
Date	Dec 27, 2019
Instrument	440440

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	117 Months
Due	Sep 20, 2029

August 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	4715 4TH STREET LOOP NE, SAINT CLOUD, MN 56304-4673
Transaction Type	Mortgage
Record Updated	Aug 9, 2021
Title Company	AFFINITY PLUS TITLE COMPANY, AFFINITY PLUS TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	437387
Date	Aug 6, 2019
Instrument	437387

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Aug 1, 2039

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	$4,650.00 (+22.63%) Homeowner's exemption	$301,200 (+4.22%) Land $60,000 Building $241,200	$301,200 (+4.22%) Land $60,000 Building $241,200
2023	$3,792.00	$289,000 Land $45,000 Building $244,000	$289,000 Land $45,000 Building $244,000

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 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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