515 5th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 515 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.203 acres (8,874 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,644 (2026)
Deeds & Mortgages	Jun 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`17.00481.00`

Property Details

APN / Parcel Number

Primary APN	`17.00481.00`

Exterior

Lot Area	8,874 sqft (0.203 acres)

Location & Zoning

Street Address	515 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1011
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 A A WRIGHT'S ADDN LOT-010 BLOCK-002 & S1/2 OF LOT 11
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	A A WRIGHT'S ADDN
Legal Block	2
Legal Lot Number	10-11
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5054
Census Tract	21201

Owner

Source: Benton County records · APN 17.00481.00

Assessment roll updated July 16, 2026 · Last verified July 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 File
Mailing Address	515 5TH AVE SE, SAINT CLOUD, MN 56304-1011
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jun 17, 2026
Property Address	515 5TH AVE SE, SAINT CLOUD, MN 56304-1011
Document Number	0000483966
Instrument Date	Jun 10, 2026
Instrument	2026483966
Transaction Type	Mortgage
Record Updated	Jul 22, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	515 5TH AVE SE, SAINT CLOUD, MN 56304-1011

Mortgage

Document Number	0000483966,
Date	Jun 17, 2026
Instrument	2026483966

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Jun 30, 2046

Interest

Rate	2.99%
Max Rate	-1%

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 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

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,644.00 (+11.71%) Homeowner's exemption	$226,800 (+15.07%) Land $25,000 Building $201,800	$226,800 (+15.07%) Land $25,000 Building $201,800
2023	$3,262.00	$197,100 Land $25,000 Building $172,100	$197,100 Land $25,000 Building $172,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Lumen Technologies Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile USA.

Based on FCC filings for 356 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Saint Cloud serves 71,321 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.