526 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 526 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.12 acres (5,250 sqft)
Owner	Individual Name on Record
Last Sale	$115,500 (Jan 2021)
Tax Bill	$1,722 (2026)
Deeds & Mortgages	Jan 2021 Sale & Mortgage Oct 2020 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00435.00`

Property Details

APN / Parcel Number

Primary APN	`17.00435.00`

Exterior

Lot Area	5,250 sqft (0.12 acres)

Location & Zoning

Street Address	526 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-006
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	VARNER'S ADDITION
Legal Lot Number	6
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	526 2ND ST SE, SAINT CLOUD, MN 56304-0718
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 11, 2021	Deed, Transfer · Conventional Mortgage WELLS FARGO BANK NA
Oct 2, 2020	Intrafamily Transfer, Transfer
Jul 31, 2018	Deed of Trust, Mortgage · VA Mortgage LIBERTY BANK MINNESOTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 11, 2021 · Amount on Record
Deed Sale	Jan 11, 2021 · Amount on Record
Deed Document Number	2021448912
Prior Transfer Date	Sep 30, 2020
Prior Transfer Doc	446337
Record Updated	Sep 20, 2026

January 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Jan 11, 2021
Property Address	526 2ND ST SE, SAINT CLOUD, MN 56304-0718
Document Number	448912
Instrument Date	Dec 30, 2020
Instrument	448912
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$381.15
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	526 2ND ST SE, SAINT CLOUD, MN 56304-0718

Mortgage

Document Number	448913
Date	Jan 11, 2021
Instrument	448913

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2051

October 2020: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Oct 2, 2020
Property Address	526 2ND ST SE, SAINT CLOUD, MN 56304-0718
Document Number	446337
Instrument Date	Sep 30, 2020
Instrument	446337
Transaction Type	Transfer
Record Updated	Jun 7, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	526 2ND ST SE, SAINT CLOUD, MN 56304-0718

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	526 2ND ST SE, SAINT CLOUD, MN 56304-0718
Transaction Type	Mortgage
Record Updated	Aug 14, 2018

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	430860
Date	Jul 31, 2018
Instrument	430860

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	181 Months
Due	Aug 1, 2033

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	$1,722.00 (+14.49%) Homeowner's exemption	$158,700 (+12.31%) Land $25,000 Building $133,700	$158,700 (+12.31%) Land $25,000 Building $133,700
2025	$1,504.00 (+7.12%) Homeowner's exemption	$141,300 (+1.65%) Land $25,000 Building $116,300	$141,300 (+1.65%) Land $25,000 Building $116,300
2023	$1,404.00	$139,000 Land $25,000 Building $114,000	$139,000 Land $25,000 Building $114,000

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.

Nearby Properties on 2nd St SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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