Benton County property record for 4735 2nd St NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.366 acres (15,980 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $420,000 (Jan 2024) |
| Tax Bill | $6,406 (2026) |
| Deeds & Mortgages | Jan 2024 Sale & Mortgage Oct 2023 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01857.00 |
| Primary APN | 17.01857.00 |
|---|
| Lot Area | 15,980 sqft (0.366 acres) |
|---|
| Street Address | 4735 2ND ST NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0965 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-33 TWP-036 RANGE-030 WATERS EDGE AT DON LAKE LOT-001 BLOCK-005 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 33 |
| Legal Subdivision | WATERS EDGE AT DON LAKE |
| Legal Block | 5 |
| Legal Lot Number | 1 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2071 |
| Census Tract | 20300 |
4735 2nd St NE is owned and occupied by two individuals who bought it in January 2024.
Source: Benton County records, as of July 16, 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 File |
|---|---|
| Mailing Address | 4735 2ND ST NE, SAINT CLOUD, MN 56304-0965 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jan 23, 2024 | Warranty Deed, Transfer · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Oct 10, 2023 | Deed of Trust, Mortgage · Conventional Mortgage CENTRAL MINNESOTA CU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jan 23, 2024 · Amount on File |
| Deed Sale | Jan 23, 2024 · Amount on File |
| Prior Sale | Sep 6, 2013 · Amount on File |
| Deed Document Number | 2024470178 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jan 23, 2024 |
| Property Address | 4735 2ND ST NE, SAINT CLOUD, MN 56304-0965 |
| Document Number | 0000470178 |
| Instrument Date | Jan 18, 2024 |
| Instrument | 470178 |
| Transaction Type | Transfer |
| Record Updated | Feb 8, 2024 |
| 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 | $1,386.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 4735 2ND ST NE, SAINT CLOUD, MN 56304-0965 |
| Document Number | 0000470179 |
|---|---|
| Date | Jan 23, 2024 |
| Instrument | 470179 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 181 Months |
| Due | Feb 1, 2039 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 4735 2ND ST NE, SAINT CLOUD, MN 56304-0965 |
| Transaction Type | Mortgage |
| Record Updated | Nov 2, 2023 |
| Title Company | TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT |
| Name | Verified Name |
|---|
| Document Number | 0000468671 |
|---|---|
| Date | Oct 10, 2023 |
| Instrument | 468671 |
| Name | CENTRAL MINNESOTA CU |
|---|---|
| Type | Credit Union |
| Address | SARTELL, MN 56377 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Nov 1, 2053 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 7.87% |
| Type Change Date | Nov 1, 2030 |
| Change Frequency | 3 Years |
| Min Rate At Change | 5.87% |
| Max Rate At Change | 9.87% |
| Index | 3-Year TN |
| Max Rate | 18% |
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 | $6,406.00 (+11.88%) Homeowner's exemption | $400,600 (-) Land $60,000 Building $340,600 | $400,600 (-) Land $60,000 Building $340,600 |
| 2025 | $5,726.00 (+4%) Homeowner's exemption | $400,600 (-) Land $45,000 Building $355,600 | $400,600 (-) Land $45,000 Building $355,600 |
| 2023 | $5,506.00 | $400,600 Land $45,000 Building $355,600 | $400,600 Land $45,000 Building $355,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4735 2nd 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 4735 2nd 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 |
Search by:
By searching, you agree to: Terms • Privacy • Disclosures