528 55th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 528 55th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,008 sqft · built 1966
Lot Size	1 acres (43,560 sqft)
Owner	2 Individual Names on File
Last Sale	$164,900 (Jun 2020)
Tax Bill	$2,170 (2026)
Deeds & Mortgages	Jun 2020 Sale & Mortgage Jun 2020 Transfer
Flood Zone	Zone X (minimal risk)
APN	`09.00398.00`

Property Details

APN / Parcel Number

Primary APN	`09.00398.00`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,008 sqft Living Area
1st Floor Area	1,008 sqft
Basement Area	250 sqft
Finished Basement	250 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1966
Effective Year Built	Effective 1990
Exterior Material	Vinyl
Roof Type	Gable/Hip
Roof Material	Asbestos
Lot Area	43,560 sqft (1 acres)
Garage Area	576 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	528 55TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-9431
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-26 TWP-036 RANGE-030 1.00 AC S 209 FT OF W 209 FT SW1/4 SW1/4
Legal Range	030
Legal Township	036
Legal Section	26
Jurisdiction	BENTON MN
Township / Civil Division	MINDEN
Census Block Group	2
Census Block	2052
Census Tract	20300

Owner

528 55th Ave NE is owned and occupied by two individuals who bought it in June 2020.

Source: Benton County records, as of July 16, 2026

Owner of Record	2 Individual Names on File
Mailing Address	528 55TH AVE NE, SAINT CLOUD, MN 56304-9431
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 12, 2020	Warranty Deed, Transfer · Conventional Mortgage GATE CITY BANK
Jun 12, 2020	Affidavit of Death of Joint Tenant, Transfer FIRST AMERICAN TITLE, FIRST AMER TTL INS COMAPNY

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 12, 2020 · Amount on File
Deed Sale	Jun 12, 2020 · Amount on File
Deed Document Number	2020443499
Prior Transfer Date	May 28, 2020
Prior Transfer Doc	443498
Record Updated	Sep 20, 2026

June 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 12, 2020
Property Address	528 55TH AVE NE, SAINT CLOUD, MN 56304-9431
Document Number	443499
Instrument Date	May 29, 2020
Instrument	443499
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$544.17
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 55TH AVE NE, SAINT CLOUD, MN 56304-9431

Mortgage

Document Number	443500
Date	Jun 12, 2020
Instrument	443500

Lender

Name	GATE CITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2050

June 2020: Affidavit of Death of Joint Tenant, Transfer

Document Type	Affidavit of Death of Joint Tenant
Jurisdiction	BENTON MN
Recording Date	Jun 12, 2020
Property Address	528 55TH AVE NE, SAINT CLOUD, MN 56304-9431
Document Number	443498
Instrument Date	May 28, 2020
Instrument	443498
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	FIRST AMERICAN TITLE, FIRST AMER TTL INS COMAPNY

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
Address	528 55TH AVE NE, SAINT CLOUD, MN 56304-9431
Mail Care Of	CORY D ROUFS AND PAULA ROUFS

Tax Assessment & Valuation

The 2026 property tax bill for 528 55th Ave NE was $2,170 with a homeowner's exemption, up 5.2% from the year before.

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton County
County Subdivision	Minden Township
Unified School District	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,170.00 (+5.24%) Homeowner's exemption	$257,900 (+3.82%) Land $49,000 Building $208,900	$257,900 (+3.82%) Land $49,000 Building $208,900
2025	$2,062.00 Homeowner's exemption	$248,400 Land $46,000 Building $202,400	$248,400 Land $46,000 Building $202,400
2023	$1,494.00	$195,300 Land $45,800 Building $149,500	$195,300 Land $45,800 Building $149,500

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

Flood

FEMA maps place 528 55th Ave NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 528 55th Ave NE is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 4 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

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