529 2nd St SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 529 2nd St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.458 acres (19,977 sqft)
Owner	Company Name on Record
Last Sale	$210,000 (Aug 2023)
Tax Bill	$3,750 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Aug 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00133.00`

Property Details

APN / Parcel Number

Primary APN	`17.00133.00`

Interior

Units	2 Units

Exterior

Architectural Style	Multi-Family
Lot Area	19,977 sqft (0.458 acres)

Location & Zoning

Street Address	529 2ND ST SE
City	SAINT CLOUD
State	MN
Zip	56304-0719
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-36 TWP-036 RANGE-031 AUDITORS 1916 SUBD OF 36-36-31 LOT-046 PART OF BLK F IN E ST CLOUD
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	AUDITORS 1916 SUBD OF 36-36-31
Legal Block	F
Legal Lot Number	46
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	Company Name on Record
Mailing Address	29 20TH AVE S, SAINT CLOUD, MN 56301-3953
Owner Type	Company
Vesting	Company

Deeds, Mortgages & Sale History

Date	Document
Apr 20, 2026	Deed of Trust, Mortgage · Construction Mortgage FIRST NATIONAL BANK/ELK RIVER
Aug 14, 2023	Warranty Deed, Transfer · Stand-Alone First Mortgage FIRST BANK ELK RIVER
Jan 4, 2021	Warranty Deed, Transfer · Commercial Mortgage FIRST WESTERN BANK & TRUST
Sep 5, 2019	Warranty Deed, Transfer · Commercial Mortgage BANKVISTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 14, 2023 · Amount on Record
Deed Sale	Aug 14, 2023 · Amount on Record
Prior Sale	Aug 11, 2023 · Amount on Record
Deed Document Number	2023467543
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Apr 20, 2026
Property Address	529 2ND ST SE, SAINT CLOUD, MN 56304-0719
Document Number	0000482844
Instrument Date	Mar 30, 2026
Instrument	2026482844
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266
Address	29210 151ST ST NW, ZIMMERMAN, MN 55398-4540

Mortgage

Document Number	0000482844,
Date	Apr 20, 2026
Instrument	2026482844

Lender

Name	FIRST NATIONAL BANK/ELK RIVER

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	15 Months
Due	Jul 1, 2027

Interest

Rate	5.98%
Max Rate	-1%

August 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 14, 2023
Property Address	529 2ND ST SE, SAINT CLOUD, MN 56304-0719
Document Number	0000467543
Instrument Date	Aug 11, 2023
Instrument	467543
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
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	29 20TH AVE S, SAINT CLOUD, MN 56301-3953

Mortgage

Document Number	0000467544
Date	Aug 14, 2023
Instrument	467544

Lender

Name	FIRST BANK ELK RIVER
Type	Bank

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Aug 3, 2028

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jan 4, 2021
Property Address	529 2ND ST SE, SAINT CLOUD, MN 56304-0719
Document Number	0000448721
Instrument Date	Dec 30, 2020
Instrument	448721
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	QUDARY TITLE, QUARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$560.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	14701 93RD ST NE, OTSEGO, MN 55330-7455

Mortgage

Document Number	0000448722
Date	Jan 4, 2021
Instrument	448722

Lender

Name	FIRST WESTERN BANK & TRUST
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	60 Months
Due	Jan 5, 2026

September 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 5, 2019
Property Address	529 2ND ST SE, SAINT CLOUD, MN 56304-0719
Document Number	0000437978
Instrument Date	Aug 30, 2019
Instrument	437978
Transaction Type	Transfer
Record Updated	Sep 29, 2023
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$495.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5144 MALLARD LN, MONTICELLO, MN 55362-2963

Mortgage

Document Number	0000437979
Date	Sep 5, 2019
Instrument	437979

Lender

Name	BANKVISTA
Type	Bank

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	59 Months
Due	Aug 30, 2024

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	$3,750.00 (+26.6%)	$195,500 (-) Land $30,000 Building $165,500	$195,500 (-) Land $30,000 Building $165,500
2025	$2,962.00 (+2.78%)	$195,500 (+12.42%) Land $30,000 Building $165,500	$195,500 (+12.42%) Land $30,000 Building $165,500
2023	$2,882.00	$173,900 Land $30,000 Building $143,900	$173,900 Land $30,000 Building $143,900

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.

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