521 2nd Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 521 2nd Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.145 acres (6,326 sqft)
Owner	Individual Name on Record
Tax Bill	$2,460 (2026)
Deeds & Mortgages	May 2022 Line of Credit Feb 2025 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00719.00`

Property Details

APN / Parcel Number

Primary APN	`17.00719.00`

Exterior

Lot Area	6,326 sqft (0.145 acres)

Location & Zoning

Street Address	521 2ND AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0101
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-015 BLOCK-003
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	3
Legal Lot Number	15
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4009
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	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Married

Deeds, Mortgages & Sale History

Date	Document
May 31, 2022	Deed of Trust, Mortgage · Line of Credit MIDCOUNTRY BANK
Feb 25, 2025	Deed of Trust, Mortgage · Conventional Mortgage CMG MORTGAGE INC
Oct 1, 2020	Deed of Trust, Mortgage · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Aug 19, 2025	Intrafamily Transfer, Transfer · Line of Credit MIDCOUNTRY BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Aug 19, 2025
Transfer Doc	0000478983
Record Updated	Sep 20, 2026

May 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Transaction Type	Mortgage
Record Updated	Sep 25, 2025

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101

Mortgage

Document Number	0000460880
Date	May 31, 2022
Instrument	460880

Lender

Name	MIDCOUNTRY BANK
Type	Bank
Address	BUFFALO, MN 55313

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	May 26, 2047

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

February 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	GCS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101

Mortgage

Document Number	0000476115
Date	Feb 25, 2025
Instrument	476115

Lender

Name	CMG MORTGAGE INC
Type	Mortgage Company
Address	SAN RAMON, CA 94583

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2055

October 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Transaction Type	Mortgage
Record Updated	Sep 25, 2025
Title Company	QUDARY TITLE, QUARRY TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000446316
Date	Oct 1, 2020
Instrument	446316

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company
Address	SCOTTSDALE, AZ 85254

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Oct 1, 2035

August 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Aug 19, 2025
Property Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101
Document Number	0000478983
Instrument Date	Aug 19, 2025
Instrument	478983
Transaction Type	Transfer
Record Updated	Sep 25, 2025

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	521 2ND AVE, ALBANY, MN 56307-9526

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	521 2ND AVE NE, SAINT CLOUD, MN 56304-0101

Mortgage

Document Number	0000479195
Date	Aug 19, 2025
Instrument	479195

Lender

Name	MIDCOUNTRY BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	300 Months
Due	Aug 26, 2050

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

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	$2,460.00 (-5.6%) Homeowner's exemption	$209,200 (+12.96%) Land $25,000 Building $184,200	$209,200 (+12.96%) Land $25,000 Building $184,200
2025	$2,606.00 (+30.17%)	$185,200 (+1.7%) Land $25,000 Building $160,200	$185,200 (+1.7%) Land $25,000 Building $160,200
2023	$2,002.00	$182,100 Land $25,000 Building $157,100	$182,100 Land $25,000 Building $157,100

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 327 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

May also be available: Intrepid Fiber Networks.

Nearby Properties on 2nd Ave NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures