526 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 526 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	$165,000 (Feb 2026)
Tax Bill	$2,264 (2026)
Deeds & Mortgages	May 2021 Mortgage Aug 2006 Mortgage + 7 more
Flood Zone	Zone X (minimal risk)
APN	`17.00862.00`

Property Details

APN / Parcel Number

Primary APN	`17.00862.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	526 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0108
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-002 BLOCK-018
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	18
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4025
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 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · FHA Mortgage LAKEVIEW LOAN SERVICING LLC
Aug 21, 2006	Deed of Trust, Mortgage · ARM DECISION ONE MORTGAGE CO LLC
Jan 27, 2014	Deed of Trust, Mortgage TRADITION MORTGAGE LLC
Aug 21, 2006	Deed of Trust, Mortgage · Stand-Alone Second Mortgage DECISION ONE LOAN CO OF MINNESOTA
Feb 26, 2026	Warranty Deed, Transfer · Conventional Mortgage FRANDSEN BANK & TRUST
Mar 11, 2026	Transfer on Death Deed, Transfer ANCONA TITLE, ANCONA TITLE & ESCROW
Mar 21, 2017	Quit Claim Deed, Transfer LAKEVIEW LOAN SERVICING LLC
Jul 31, 2013	Special Warranty Deed, Transfer SENTRY BANK
Aug 16, 2012	Sheriff's Deed, Foreclosure

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 26, 2026 · Amount on Record
Deed Sale	Feb 26, 2026 · Amount on Record
Prior Sale	Jan 14, 2014 · Amount on Record
Deed Document Number	2026482037
Prior Transfer Date	Feb 24, 2026
Prior Transfer Doc	0000482218
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000452444
Date	May 19, 2021
Instrument	452444

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company
Address	MIAMI, FL 33146

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jun 1, 2051

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001341131
Date	Aug 21, 2006
Instrument	1341131

Lender

Name	DECISION ONE MORTGAGE CO LLC
Type	Mortgage Company
Address	FORT MILL, SC 29715

Agreement

Type	ARM
Amount	Amount Recorded
Term	360 Months
Due	Aug 11, 2036

Interest

Rate Type	Adjustable Rate
Rate	7.83%
Type Change Date	Aug 1, 2008
Change Frequency	6 Months
Min Rate At Change	7.83%
Max Rate At Change	10.8%
Index	6-Month LIBOR
Max Rate	13.8%

January 2014: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000401761
Date	Jan 27, 2014
Instrument	401761

Lender

Name	TRADITION MORTGAGE LLC
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Term	361 Months
Due	Feb 1, 2044

August 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Transaction Type	Mortgage
Record Updated	Jun 30, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001341132
Date	Aug 21, 2006
Instrument	1341132

Lender

Name	DECISION ONE LOAN CO OF MINNESOTA
Type	Non-Lending Institution
Address	MINNEAPOLIS, MN 55426

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Aug 11, 2021

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 26, 2026
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	0000482037
Instrument Date	Feb 24, 2026
Instrument	482037
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.50
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 4TH AVE NE, SAINT CLOUD, MN 56304-0108

Mortgage

Document Number	0000482038
Date	Feb 26, 2026
Instrument	482038

Lender

Name	FRANDSEN BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Mar 1, 2056

March 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Mar 11, 2026
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	0000482218
Instrument Date	Feb 24, 2026
Instrument	482218
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	BENTON MN
Recording Date	Mar 21, 2017
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	0000421644
Instrument Date	Apr 22, 2016
Instrument	421644
Transaction Type	Transfer
Record Updated	Jun 30, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000421645
Date	Mar 21, 2017
Instrument	421645

Lender

Name	LAKEVIEW LOAN SERVICING LLC
Type	Mortgage Company

Agreement

Term	361 Months
Due	Apr 1, 2047

July 2013: Special Warranty Deed, Transfer

Document Type	Special Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 31, 2013
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	0000398386
Instrument Date	Jul 22, 2013
Instrument	398386
Transaction Type	Transfer
Record Updated	Jun 30, 2026
Title Company	SERVICELINK

Transaction

Amount	Amount Recorded
Tax	$178.20
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	2375 N GLENVILLE DR, RICHARDSON, TX 75082-4470

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	4170 W DIVISION ST, SAINT CLOUD, MN 56302-2601

Mortgage

Document Number	0000398387
Date	Jul 31, 2013
Instrument	398387

Lender

Name	SENTRY BANK

Agreement

Amount	Amount Recorded
Term	3 Months
Due	Oct 27, 2013

August 2012: Sheriff's Deed, Foreclosure

Document Type	Sheriff's Deed
Jurisdiction	BENTON MN
Recording Date	Aug 16, 2012
Property Address	526 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	000A390608
Instrument Date	Aug 16, 2012
Instrument	A390608
Transaction Type	Foreclosure
Record Updated	Jun 30, 2026

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	400 NATIONAL WAY, SIMI VALLEY, CA 93065-6414
Mail Care Of	BANK OF AMERICA NA

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	$2,264.00 (+14.57%) Homeowner's exemption	$195,800 (+12.85%) Land $25,000 Building $170,800	$195,800 (+12.85%) Land $25,000 Building $170,800
2025	$1,976.00 (+6.81%) Homeowner's exemption	$173,500 (+1.7%) Land $25,000 Building $148,500	$173,500 (+1.7%) Land $25,000 Building $148,500
2023	$1,850.00	$170,600 Land $25,000 Building $145,600	$170,600 Land $25,000 Building $145,600

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 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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