Benton County property record for 520 Raymond Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.142 acres (6,199 sqft) |
| Owner | Individual Name on File |
| Last Sale | $150,000 (Jan 2021) |
| Tax Bill | $2,696 (2026) |
| Deeds & Mortgages | Jan 2021 Sale & Mortgage Dec 2017 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01052.00 |
| Primary APN | 17.01052.00 |
|---|
| Lot Area | 6,199 sqft (0.142 acres) |
|---|
| Street Address | 520 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-004 BLOCK-035 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 35 |
| Legal Subdivision | ST CLOUD PARK |
| Legal Block | 35 |
| Legal Lot Number | 4 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 4 |
| Census Block | 4018 |
| Census Tract | 21201 |
520 Raymond Ave NE is owned and occupied by an individual who bought it in January 2021.
Source: Benton County records, as of July 16, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 520 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.
| Date | Document |
|---|---|
| Jan 11, 2021 | Warranty Deed, Transfer · FHA Mortgage GUARANTEED RATE AFFINITY LLC |
| Dec 21, 2017 | Warranty Deed, Transfer |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Jan 11, 2021 · Amount on File |
| Deed Sale | Jan 11, 2021 · Amount on File |
| Prior Sale | Dec 21, 2017 · Amount on File |
| Deed Document Number | 2021448922 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jan 11, 2021 |
| Property Address | 520 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130 |
| Document Number | 0000448922 |
| Instrument Date | Oct 16, 2020 |
| Instrument | 448922 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | BURNETT TITLE, BURNET TITLE |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $495.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 520 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130 |
| Document Number | 0000448923 |
|---|---|
| Date | Jan 11, 2021 |
| Instrument | 448923 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Nov 1, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Dec 21, 2017 |
| Property Address | 520 RAYMOND AVE NE, SAINT CLOUD, MN 56304-0130 |
| Document Number | 0000426980 |
| Instrument Date | Dec 7, 2017 |
| Instrument | 426980 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
The 2026 property tax bill for 520 Raymond Ave NE was $2,696 with a homeowner's exemption.
Source: Benton County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,696.00 Homeowner's exemption | $199,200 Land $25,000 Building $174,200 | $199,200 Land $25,000 Building $174,200 |
| 2023 | $2,548.00 | $199,200 Land $25,000 Building $174,200 | $199,200 Land $25,000 Building $174,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 520 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 risk around 520 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.
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 |
| 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.
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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