519 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 519 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.101 acres (4,400 sqft)
Owner	Individual Name on Record
Last Sale	$83,000 (Mar 2025)
Tax Bill	$3,652 (2026)
Deeds & Mortgages	Feb 2021 Mortgage Feb 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00310.00`

Property Details

APN / Parcel Number

Primary APN	`17.00310.00`

Exterior

Architectural Style	Multi-Family
Lot Area	4,400 sqft (0.101 acres)

Location & Zoning

Street Address	519 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-0719
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-016 BLOCK-024
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	EAST ST CLOUD
Legal Block	24
Legal Lot Number	16
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5029
Census Tract	21201

Owner

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

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	9831 HILL CT, MONTICELLO, MN 55362
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Feb 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED WHOLESALE MORTGAGE
Feb 20, 2018	Warranty Deed, Transfer FREEDOM MORTGAGE CORPORATION

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Mar 7, 2025 · Amount on Record
Deed Sale	Mar 7, 2025 · Amount on Record
Prior Sale	Feb 20, 2018 · Amount on Record
Deed Document Number	2025476290
Record Updated	Sep 20, 2026

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	519 2ND ST SE, SAINT CLOUD, MN 56304-0719
Transaction Type	Mortgage
Record Updated	Mar 11, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	449937
Date	Feb 22, 2021
Instrument	449937

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company
Address	PONTIAC, MI 48341

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Feb 1, 2036

February 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 20, 2018
Property Address	519 2ND ST SE, SAINT CLOUD, MN 56304-0719
Document Number	427863
Instrument Date	Jan 24, 2018
Instrument	427863
Transaction Type	Transfer
Record Updated	Aug 9, 2021

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants

Mortgage

Document Number	427864
Date	Feb 20, 2018
Instrument	427864

Lender

Name	FREEDOM MORTGAGE CORPORATION
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2048

Tax Assessment & Valuation

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	$3,652.00 (+26.98%)	$190,400 (-) Land $25,000 Building $165,400	$190,400 (-) Land $25,000 Building $165,400
2025	$2,876.00 (+0.42%)	$190,400 (+12.8%) Land $25,000 Building $165,400	$190,400 (+12.8%) Land $25,000 Building $165,400
2023	$2,864.00	$168,800 Land $25,000 Building $143,800	$168,800 Land $25,000 Building $143,800

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 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

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 203 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: AT&T, CenturyLink.

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