501 2nd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 501 2nd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.151 acres (6,579 sqft)
Owner	2 Individual Names on File
Last Sale	$205,000 (Oct 2021)
Tax Bill	$2,872 (2026)
Deeds & Mortgages	Oct 2021 Mortgage Oct 2021 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00713.00`

Property Details

APN / Parcel Number

Primary APN	`17.00713.00`

Exterior

Lot Area	6,579 sqft (0.151 acres)

Location & Zoning

Street Address	501 2ND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-010 BLOCK-003
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	3
Legal Lot Number	10
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4009
Census Tract	21201

Owner

501 2nd Ave NE is owned and occupied by two individuals who bought it in October 2021.

Source: Benton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	501 2ND AVE NE, SAINT CLOUD, MN 56304-0101
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.

Deeds, Mortgages & Sale History

Date	Document
Oct 26, 2021	Deed of Trust, Mortgage · Second Mortgage (Down Payment) HOMEOWNERS FINANCIAL GROUP USA LLC
Oct 26, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Sep 25, 2017	Warranty Deed, Transfer FRANKLIN AMERICAN MORTGAGE COMPANY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 26, 2021 · Amount on File
Deed Sale	Oct 26, 2021 · Amount on File
Prior Sale	Sep 13, 2007 · Amount on File
Deed Document Number	2021456281
Record Updated	Sep 20, 2026

October 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	501 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Transaction Type	Mortgage
Record Updated	Nov 18, 2021
Title Company	KEY TITLE AND CLOSING SERVICES LLC, KEY TITLE & CLOSING SVCS LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	456283
Date	Oct 26, 2021
Instrument	456283

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	MILL VILLAGE, PA 16427

Agreement

Type	Second Mortgage (Down Payment)
Amount	Amount on Record
Term	121 Months
Due	Nov 1, 2031

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 26, 2021
Property Address	501 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Document Number	456281
Instrument Date	Oct 25, 2021
Instrument	456281
Transaction Type	Transfer
Record Updated	Nov 18, 2021
Title Company	KEY TITLE & CLOSING SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$676.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	501 2ND AVE NE, SAINT CLOUD, MN 56304-0101

Mortgage

Document Number	0000456282
Date	Oct 26, 2021
Instrument	456282

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2051

September 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 25, 2017
Property Address	501 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Document Number	425246
Instrument Date	Sep 6, 2017
Instrument	425246
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	425247
Date	Sep 25, 2017
Instrument	425247

Lender

Name	FRANKLIN AMERICAN MORTGAGE COMPANY
Type	Mortgage Company
Address	IRVING, TX 75039

Agreement

Amount	Amount on Record
Term	361 Months
Due	Oct 1, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 501 2nd Ave NE was $2,872 with a homeowner's exemption.

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	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,872.00 Homeowner's exemption	$228,200 Land $25,000 Building $203,200	$228,200 Land $25,000 Building $203,200
2023	$2,506.00	$209,700 Land $25,000 Building $184,700	$209,700 Land $25,000 Building $184,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 501 2nd Ave NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 501 2nd Ave NE has no burnable land within ember reach, so its wildfire risk is not rated.

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

Wildfire Risk	Not rated no burnable land within 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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks.

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