528 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 528 4th Ave NE, Saint Cloud, MN 56304 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on File
Last Sale	$210,000 (Apr 2023)
Tax Bill	$4,680 (2026)
Deeds & Mortgages	Apr 2023 Sale & Mortgage Dec 2021 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00861.00`

Property Details

APN / Parcel Number

Primary APN	`17.00861.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	528 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-001 BLOCK-018
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	18
Legal Lot Number	1
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4025
Census Tract	21201

Owner

Source: Benton County records · APN 17.00861.00

Assessment roll updated July 16, 2026 · Last verified July 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 File
Mailing Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2023	Warranty Deed, Transfer · Conventional Mortgage BETTER MORTGAGE CORPORATION
Dec 28, 2021	Warranty Deed, Transfer · FHA Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC
Nov 20, 2020	Deed of Trust, Mortgage · FHA Mortgage FREEDOM MORTGAGE CORP
Apr 18, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 20, 2023 · Amount on Record
Deed Sale	Apr 20, 2023 · Amount on Record
Prior Sale	Dec 28, 2021 · Amount on Record
Deed Document Number	2023465879
Record Updated	Sep 20, 2026

April 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 20, 2023
Property Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	0000465879
Instrument Date	Apr 14, 2023
Instrument	465879
Transaction Type	Transfer
Record Updated	May 09, 2023
Title Company	QUARRY TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$693.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108

Mortgage

Document Number	0000465880
Date	Apr 20, 2023
Instrument	465880

Lender

Name	BETTER MORTGAGE CORPORATION
Type	Mortgage Company
Address	NEW YORK, NY 10007

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	May 01, 2053

December 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Dec 28, 2021
Property Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	0000457770
Instrument Date	Dec 10, 2021
Instrument	457770
Transaction Type	Transfer
Record Updated	Jan 12, 2022
Title Company	QUDARY TITLE, QUARRY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$561.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108

Mortgage

Document Number	0000457771
Date	Dec 28, 2021
Instrument	457771

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jan 01, 2052

Mortgage

Document Number	0000457772
Date	Dec 28, 2021
Instrument	457772

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Transaction Type	Mortgage
Record Updated	Feb 05, 2021
Title Company	INSPIRE CLOSING SERVICES LLC

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	907 PLEASANT VALLEY AVE 3, 3, MOUNT LAUREL, NJ 08054-1210

Mortgage

Document Number	447614
Date	Nov 20, 2020
Instrument	447614

Lender

Name	FREEDOM MORTGAGE CORP
Type	Subprime Lender
Address	MOUNT LAUREL, NJ 08054

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	319 Months
Due	Jun 01, 2047

April 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 18, 2017
Property Address	528 4TH AVE NE, SAINT CLOUD, MN 56304-0108
Document Number	422210
Instrument Date	Apr 13, 2017
Instrument	422210
Transaction Type	Transfer
Record Updated	Aug 09, 2021

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

Tax Assessment & Valuation

Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 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

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,680.00 (+163.22%)	$182,200 (+10.36%) Land $25,000 Building $157,200	$182,200 (+10.36%) Land $25,000 Building $157,200
2023	$1,778.00	$165,100 Land $25,000 Building $140,100	$165,100 Land $25,000 Building $140,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Benton County (27009C), updated July 29, 2019 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 263 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Lumen Technologies, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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