516 Raymond Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 516 Raymond Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.284 acres (12,399 sqft)
Owner	2 Individual Names on File
Last Sale	$258,000 (Jul 2023)
Tax Bill	$3,230 (2026)
Deeds & Mortgages	Jul 2023 Sale & Mortgage Dec 2020 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.01053.00`

Property Details

APN / Parcel Number

Primary APN	`17.01053.00`

Exterior

Lot Area	12,399 sqft (0.284 acres)

Location & Zoning

Street Address	516 RAYMOND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0130
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-005 BLOCK-035 & LOT 6
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	35
Legal Lot Number	5-6
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4018
Census Tract	21201

Owner

516 Raymond Ave NE is owned and occupied by two individuals who bought it in July 2023.

Source: Benton County records, as of August 17, 2026

Owner of Record	2 Individual Names on File
Mailing Address	516 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130
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
Jul 3, 2023	Warranty Deed, Transfer · FHA Mortgage SUMMIT MORTGAGE CORP
Dec 31, 2020	Deed of Trust, Mortgage · Stand-Alone Second Mortgage THE ST CLOUD HOUSING AND REDEVELOPMENT A

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 3, 2023 · Amount on File
Deed Sale	Jul 3, 2023 · Amount on File
Prior Sale	Jun 21, 2023 · Amount on File
Deed Document Number	2023466835
Prior Transfer Date	Oct 6, 2011
Prior Transfer Doc	0001384549
Record Updated	Sep 20, 2026

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 3, 2023
Property Address	516 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130
Document Number	0000466835
Instrument Date	Jun 21, 2023
Instrument	466835
Transaction Type	Transfer
Record Updated	Jul 21, 2023
Title Company	ARDEN TITLE LLC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$851.40
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	516 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130

Mortgage

Document Number	0000466836
Date	Jul 3, 2023
Instrument	466836

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jul 1, 2053

Mortgage

Document Number	0000466837
Date	Jul 3, 2023
Instrument	466837

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55442

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	120 Months
Due	Jul 1, 2033

December 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	516 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130
Transaction Type	Mortgage
Record Updated	Sep 19, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000448682
Date	Dec 31, 2020
Instrument	448682

Lender

Name	THE ST CLOUD HOUSING AND REDEVELOPMENT A
Type	Government Agency
Address	SAINT CLOUD, MN 56301

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record

Tax Assessment & Valuation

The 2026 property tax bill for 516 Raymond Ave NE was $3,230.

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	$3,230.00	$207,200 Land $30,000 Building $177,200	$207,200 Land $30,000 Building $177,200
2023	$3,254.00	$200,400 Land $30,000 Building $170,400	$200,400 Land $30,000 Building $170,400

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

Flood

FEMA maps place 516 Raymond Ave NE in Zone X, an area of minimal flood risk.

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

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

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

Wildfire

Wildfire risk around 516 Raymond Ave 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 99.1% of the US · lower than 96% 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.

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 263 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
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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