5361 Sand Bunker St, Saint Cloud, MN 56304 Property Records

Benton County property record for 5361 Sand Bunker St, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.175 acres (7,629 sqft)
Owner	Individual Name on Record
Last Sale	$424,900 (Apr 2026)
Tax Bill	$5,520 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Jan 2024 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01796.00`

Property Details

APN / Parcel Number

Primary APN	`17.01796.00`

Exterior

Architectural Style	Multi-Family
Lot Area	7,629 sqft (0.175 acres)

Location & Zoning

Street Address	5361 SAND BUNKER ST
City	SAINT CLOUD
State	MN
Zip	56304-4652
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-34 TWP-036 RANGE-030 THE FAIRWAYS 3RD ADDITION LOT-015 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	34
Legal Subdivision	FAIRWAYS 3RD ADDITION
Legal Block	1
Legal Lot Number	15
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2085
Census Tract	20300

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	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 6, 2026	Warranty Deed, Transfer · Conventional Mortgage STATE CLOUD FEDERAL CREDIT UNION
Jan 30, 2024	Intrafamily Transfer, Transfer · Conventional Mortgage AMERICAN NATIONAL BANK OF MINNESOTA
Aug 3, 2018	Intrafamily Transfer, Transfer · Construction Mortgage AMERICAN NATIONAL BANK OF MINNESOTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 6, 2026 · Amount on Record
Deed Sale	Apr 6, 2026 · Amount on Record
Prior Sale	Jan 30, 2024 · Amount on Record
Deed Document Number	2026482590
Prior Transfer Date	Jan 22, 2024
Prior Transfer Doc	0000470267
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Apr 6, 2026
Property Address	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Document Number	0000482590
Instrument Date	Apr 3, 2026
Instrument	2026482590
Transaction Type	Transfer
Record Updated	Apr 20, 2026
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$141,619.17
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652

Mortgage

Document Number	0000482591,
Date	Apr 6, 2026
Instrument	2026482591

Lender

Name	STATE CLOUD FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 3, 2056

Interest

Rate Type	Fixed Rate
Rate	5%
Initial Type	Fixed Rate
Max Rate	-1%

January 2024: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Jan 30, 2024
Property Address	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Document Number	0000470267
Instrument Date	Jan 22, 2024
Instrument	470267
Transaction Type	Transfer
Record Updated	Feb 16, 2024
Title Company	QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

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	Joint Tenants with Right of Survivorship
Address	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652

Mortgage

Document Number	0000470268
Date	Jan 30, 2024
Instrument	470268

Lender

Name	AMERICAN NATIONAL BANK OF MINNESOTA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Feb 1, 2054

August 2018: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Aug 3, 2018
Property Address	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Document Number	430928
Instrument Date	Aug 2, 2018
Instrument	430928
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

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	Joint Tenants
Address	5361 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652

Mortgage

Document Number	430929
Date	Aug 3, 2018
Instrument	430929

Lender

Name	AMERICAN NATIONAL BANK OF MINNESOTA
Type	Bank

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	62 Months
Due	Oct 2, 2023

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	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,520.00 (+11.83%) Homeowner's exemption	$350,400 (-) Land $60,000 Building $290,400	$350,400 (-) Land $60,000 Building $290,400
2025	$4,936.00 (+3.61%) Homeowner's exemption	$350,400 (-) Land $45,000 Building $305,400	$350,400 (-) Land $45,000 Building $305,400
2023	$4,764.00	$350,400 Land $45,000 Building $305,400	$350,400 Land $45,000 Building $305,400

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 · 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

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

Wildfire Risk	Low lower than 66% of the US · above 60% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	None beyond 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 61 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Arvig.

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