Benton County property record for 520 2nd St SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.121 acres (5,280 sqft) |
| Owner | Individual Name on File |
| Last Sale | $13,939 (Jan 2022) |
| Tax Bill | $1,960 (2026) |
| Deeds & Mortgages | Oct 2023 Transfer Jan 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.00437.00 |
| Primary APN | 17.00437.00 |
|---|
| Lot Area | 5,280 sqft (0.121 acres) |
|---|
| Street Address | 520 2ND ST SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0718 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-36 TWP-036 RANGE-031 VARNER'S ADDITION LOT-008 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 36 |
| Legal Subdivision | VARNER'S ADDITION |
| Legal Lot Number | 8 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5029 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.00437.00
Assessment roll updated July 16, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 520 2ND ST SE, SAINT CLOUD, MN 56304-0718 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Oct 30, 2023 | Transfer on Death Deed, Transfer |
| Jan 20, 2022 | Warranty Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA |
| Oct 14, 2021 | Deed of Distribution, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jan 20, 2022 · Amount on Record |
| Deed Sale | Jan 20, 2022 · Amount on Record |
| Prior Sale | Dec 14, 2021 · Amount on Record |
| Deed Document Number | 2022458270 |
| Last Transfer Date | Oct 23, 2023 |
| Transfer Doc | 0000468949 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 30, 2023 |
| Property Address | 520 2ND ST SE, SAINT CLOUD, MN 56304-0718 |
| Document Number | 0000468949 |
| Instrument Date | Oct 23, 2023 |
| Instrument | 468949 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 520 2ND ST SE, SAINT CLOUD, MN 56304-0718 |
| Name | Verified Name |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jan 20, 2022 |
| Property Address | 520 2ND ST SE, SAINT CLOUD, MN 56304-0718 |
| Document Number | 0000458270 |
| Instrument Date | Dec 14, 2021 |
| Instrument | 458270 |
| Transaction Type | Transfer |
| Record Updated | Feb 02, 2022 |
| Title Company | MINNESOTA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $287.43 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 2ND ST SE, SAINT CLOUD, MN 56304-0718 |
| Document Number | 0000458271 |
|---|---|
| Date | Jan 20, 2022 |
| Instrument | 458271 |
| Name | WELLS FARGO BANK NA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 01, 2052 |
| Document Type | Deed of Distribution |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 14, 2021 |
| Property Address | 520 2ND ST SE, SAINT CLOUD, MN 56304-0718 |
| Document Number | 456067 |
| Instrument Date | Oct 01, 2021 |
| Instrument | 456067 |
| Transaction Type | Transfer |
| Record Updated | Oct 29, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 110 VINCENT ST S, PIERZ, MN 56364-4125 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
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 | $1,960.00 (+14.22%) | $140,500 (+12.04%) Land $25,000 Building $115,500 | $140,500 (+12.04%) Land $25,000 Building $115,500 |
| 2025 | $1,716.00 (+10.85%) | $125,400 (+1.62%) Land $25,000 Building $100,400 | $125,400 (+1.62%) Land $25,000 Building $100,400 |
| 2023 | $1,548.00 | $123,400 Land $25,000 Building $98,400 | $123,400 Land $25,000 Building $98,400 |
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
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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, Lumen Technologies.
Based on FCC filings for 203 locations within half a mile of this property.
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 |
| 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.
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