Sherburne County property record for 4760 45th Ave SE, Saint Cloud, MN 56304
| Property Type | Manufactured or Modular Home |
|---|---|
| Details | 3 bd · 3 ba · 1,568 sqft · built 2015 |
| Lot Size | 20.2 acres (880,783 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $45,000 (Mar 2000) |
| Tax Bill | $2,260 (2025) |
| Deeds & Mortgages | Oct 2018 Mortgage Dec 2018 Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-028-1400 |
| Primary APN | 25-028-1400 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,568 sqft Living Area |
| 1st Floor Area | 1,568 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Laminate Plank |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2015 |
|---|---|
| Effective Year Built | Effective 2015 |
| Architectural Style | Modular |
| Exterior Material | Vinyl |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 880,783 sqft (20.2 acres) |
| Garage Type | Detached |
| Garage Area | 1,152 sqft |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 70 sqft |
| Deck Area | 63 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Oil |
| Account Number | 1993 |
|---|---|
| Street Address | 4760 45TH AVE SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-9549 |
| Property Category | Residential |
| Property Type | Residential > Prefabricated > Manufactured or Modular Home |
| Local Zoning Code | A |
| Legal Description | THE N 1261.63 FT OF THE E 876.83 FT OF THE NE 1/4 EXCEPT THE N 400 FT OF THE E 564 FT THEREOF |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 28 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1049 |
| Census Tract | 30301 |
4760 45th Ave SE, a residential property, is owned and occupied by two individuals who bought it in March 2000.
Source: Sherburne County records, as of September 15, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 4760 45TH AVE SE, SAINT CLOUD, MN 56304-9549 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Oct 12, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU |
| Dec 31, 2018 | Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU |
| Oct 3, 2017 | Deed of Trust, Mortgage · Line of Credit ST CLOUD FCU |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 27, 2000 · Amount on File |
| Deed Sale | Mar 27, 2000 · Amount on File |
| Deed Document Number | 200050095 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 4760 45TH AVE SE, SAINT CLOUD, MN 56304-9549 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000863409 |
|---|---|
| Date | Oct 12, 2018 |
| Instrument | 863409 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Nov 5, 2033 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 4760 45TH AVE SE, SAINT CLOUD, MN 56304-9549 |
| Transaction Type | Mortgage |
| Record Updated | Oct 25, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000866742 |
|---|---|
| Date | Dec 31, 2018 |
| Instrument | 866742 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Dec 26, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 4760 45TH AVE SE, SAINT CLOUD, MN 56304-9549 |
| Document Number | 0000846519 |
| Instrument Date | Oct 3, 2017 |
| Transaction Type | Mortgage |
| Record Updated | Oct 24, 2017 |
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants with Right of Survivorship |
| Address | 4760 45TH AVE SE ST CLOUD MN 563049549, ST CLOUD, MN 56304-9549 |
| Document Number | 0000846519 |
|---|---|
| Date | Oct 12, 2017 |
| Instrument | 846519 |
| Name | ST CLOUD FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Term | 144 Months |
| Due | Oct 11, 2029 |
| Rate Type | Adjustable Rate |
|---|
The 2025 property tax bill for 4760 45th Ave SE was $2,260 with a homeowner's exemption.
Source: Sherburne County assessment roll, as of September 15, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $513,000 (+6.92%) Land $290,800 Building $222,200 | $513,000 (+6.92%) Land $290,800 Building $222,200 | |
| 2025 | $2,260.00 | $479,800 Land $258,800 Building $221,000 | $479,800 Land $258,800 Building $221,000 |
| 2023 | $1,952.00 | $433,900 Land $222,400 Building $211,500 | |
| 2021 | $433,900 Land $222,400 Building $211,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4760 45th Ave SE in Zone X, an area of minimal flood risk.
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 | 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 4760 45th Ave SE 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 99.8% of the US · lower than 99.4% 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: FCC Broadband Data Collection, based on 3 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Verizon Fixed Wireless | 300 / 20 |
| Starlink Satellite | 280 / 30 |
| T-Mobile Fixed Wireless | 100 / 20 |
| CenturyLink DSL | 80 / 10 |
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