5095 90th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 5095 90th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,420 sqft · built 1975
Lot Size	2.5 acres (108,900 sqft)
Owner	2 Individual Names on Record
Last Sale	$235,000 (Oct 2018)
Tax Bill	$2,552 (2025)
Deeds & Mortgages	Jul 2021 Mortgage Oct 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`40-029-1305`

Property Details

APN / Parcel Number

Primary APN	`40-029-1305`
Alternative APNs	`40-00029-1305` `23123`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,420 sqft Living Area
1st Floor Area	1,319 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1978
Exterior Material	Wood
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	108,900 sqft (2.5 acres)
Garage Type	Detached
Garage Area	1,136 sqft
Driveway	Driveway

Exterior Amenities

Porch	Porch
Porch Area	59 sqft
Deck Area	91 sqft
Wet Bar	Wet Bar

Location & Zoning

Account Number	23123
Street Address	5095 90TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9756
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	COMMENCING AT THE NORTHWEST CORNER OF THE SW L/4 OF THE NE I/4 OF SECTION 29, TOWNSHIP 35, RANGE 29, PALMER TOWNSHIP,
Legal Range	29W
Legal Township	35N
Legal Section	29
Jurisdiction	SHERBURNE MN
Township / Civil Division	PALMER
Census Block Group	2
Census Block	2019
Census Tract	30301

Owner

Source: Sherburne County records, as of September 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	5095 90TH AVE SE, SAINT CLOUD, MN 56304-9756
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage AMERIHOME MORTGAGE
Oct 4, 2018	Warranty Deed, Transfer · Conventional Mortgage PLAINS COMMERCE BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Oct 4, 2018 · Amount on Record
Deed Sale	Oct 4, 2018 · Amount on Record
Deed Document Number	2018863088
Prior Transfer Date	Oct 1, 2018
Prior Transfer Doc	0000863088
Record Updated	Oct 29, 2026

July 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5095 90TH AVE SE, SAINT CLOUD, MN 56304-9756
Transaction Type	Mortgage
Record Updated	Aug 15, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000923767
Date	Jul 19, 2021
Instrument	923767

Lender

Name	AMERIHOME MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2051

Interest

Rate Type	Fixed Rate

October 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 4, 2018
Property Address	5095 90TH AVE SE, SAINT CLOUD, MN 56304-9756
Document Number	0000863088
Instrument Date	Oct 1, 2018
Instrument	863088
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	QUARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$775.50
Amount Accuracy	Calculated from Transfer Tax
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5095 90TH AVE SE, SAINT CLOUD, MN 56304-9756

Mortgage

Document Number	0000863089
Date	Oct 4, 2018
Instrument	863089

Lender

Name	PLAINS COMMERCE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Oct 1, 2048

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Palmer Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$407,700 (+22.88%) Land $124,600 Building $283,100	$407,700 (+22.88%) Land $124,600 Building $283,100
2025	$2,552.00 (+14.54%)	$331,800 (+9.29%) Land $122,700 Building $209,100	$331,800 (+9.29%) Land $122,700 Building $209,100
2023	$2,228.00	$303,600 Land $113,200 Building $190,400
2021			$303,600 Land $113,200 Building $190,400

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 November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	8 in force
Nearby Flood Claims	5 (2022–2023)
Most Recent Claim	Apr 2023 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Apr 2023 · 2 claims Severe Storms, Straight-line Winds, And Flooding, May 2022 · 3 claims

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 94% of the US · lower than 82% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30
Frontier DSL	10 / 1

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