525 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 525 4th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Last Sale	$200,000 (May 2026)
Tax Bill	$1,994 (2026)
Deeds & Mortgages	Sep 2021 Mortgage May 2026 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00803.00`

Property Details

APN / Parcel Number

Primary APN	`17.00803.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	525 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0109
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-014 BLOCK-011
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	11
Legal Lot Number	14
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4022
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	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 14, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
May 4, 2026	Warranty Deed, Transfer · Conventional Mortgage CHANGE LENDING LLC
Sep 14, 2021	Deed of Trust, Mortgage · Stand-Alone First Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Sep 14, 2021	Warranty Deed, Transfer · Stand-Alone First Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 4, 2026 · Amount on Record
Deed Sale	May 4, 2026 · Amount on Record
Prior Sale	Sep 14, 2021 · Amount on Record
Deed Document Number	2026483121
Record Updated	Sep 20, 2026

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109
Transaction Type	Mortgage
Record Updated	May 22, 2026
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000455275
Date	Sep 14, 2021
Instrument	455275

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 4, 2026
Property Address	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109
Document Number	0000483121
Instrument Date	Apr 27, 2026
Instrument	2026.483121
Transaction Type	Transfer
Record Updated	May 15, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$66,660.00
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
Address	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109

Mortgage

Document Number	0000483122,
Date	May 4, 2026
Instrument	2026.483122

Lender

Name	CHANGE LENDING LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

September 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109
Transaction Type	Mortgage
Record Updated	Aug 14, 2023
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000455275
Date	Sep 14, 2021
Instrument	455275

Lender

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

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

September 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 14, 2021
Property Address	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109
Document Number	0000455273
Instrument Date	Aug 31, 2021
Instrument	455273
Transaction Type	Transfer
Record Updated	Jul 26, 2024
Title Company	ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$585.75
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	525 4TH AVE NE, SAINT CLOUD, MN 56304-0109

Mortgage

Document Number	0000455275
Date	Sep 14, 2021
Instrument	455275

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

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	$1,994.00 (+12.02%) Homeowner's exemption	$170,800 (+8.44%) Land $25,000 Building $145,800	$170,800 (+8.44%) Land $25,000 Building $145,800
2025	$1,780.00 (-2.63%) Homeowner's exemption	$157,500 (-) Land $25,000 Building $132,500	$157,500 (-) Land $25,000 Building $132,500
2023	$1,828.00	$157,500 Land $25,000 Building $132,500	$157,500 Land $25,000 Building $132,500

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 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 4th Ave NE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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