5385 Sand Bunker St, Saint Cloud, MN 56304 Property Records

Benton County property record for 5385 Sand Bunker St, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.16 acres (6,999 sqft)
Owner	2 Individual Names on Record
Last Sale	$285,000 (May 2021)
Tax Bill	$5,026 (2026)
Deeds & Mortgages	Jun 2017 Mortgage Jul 2018 Construction Loan + 4 more
Flood Zone	Zone X (minimal risk)
APN	`17.01793.00`

Property Details

APN / Parcel Number

Primary APN	`17.01793.00`

Exterior

Architectural Style	Multi-Family
Lot Area	6,999 sqft (0.16 acres)

Location & Zoning

Street Address	5385 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-012 BLOCK-001
Legal Range	030
Legal Township	036
Legal Section	34
Legal Subdivision	FAIRWAYS 3RD ADDITION
Legal Block	1
Legal Lot Number	12
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	2 Individual Names on Record
Mailing Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 22, 2017	Deed of Trust, Mortgage · Commercial Mortgage MINNWEST BANK
Jul 11, 2018	Deed of Trust, Mortgage · Construction Mortgage MINNWEST BANK
Jul 20, 2020	Deed of Trust, Mortgage · Line of Credit DEERWOOD BANK
May 19, 2021	Warranty Deed, Transfer TRI-COUNTY ABSTRACT, TRI COUNTY ABST
Jun 2, 2021	Transfer on Death Deed, Transfer
May 2, 2017	Warranty Deed, Transfer · Commercial Mortgage MINNWEST BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 19, 2021 · Amount on Record
Deed Sale	May 19, 2021 · Amount on Record
Prior Sale	May 2, 2017
Deed Document Number	2021452446
Prior Transfer Date	Apr 27, 2021
Prior Transfer Doc	0000452801
Record Updated	Oct 29, 2026

June 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000423494
Date	Jun 22, 2017
Instrument	423494

Lender

Name	MINNWEST BANK
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	13 Months
Due	Jul 1, 2018

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000430453
Date	Jul 11, 2018
Instrument	430453

Lender

Name	MINNWEST BANK
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	11 Months
Due	Jun 27, 2019

July 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Transaction Type	Mortgage
Record Updated	Dec 27, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000444465
Date	Jul 20, 2020
Instrument	444465

Lender

Name	DEERWOOD BANK
Type	Bank
Address	SAINT PAUL, MN 55120

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	241 Months
Due	Jul 31, 2040

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 19, 2021
Property Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Document Number	0000452446
Instrument Date	May 17, 2021
Instrument	452446
Transaction Type	Transfer
Record Updated	Dec 27, 2021
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABST

Transaction

Amount	Amount Recorded
Tax	$940.50
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	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652

June 2021: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Jun 2, 2021
Property Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Document Number	0000452801
Instrument Date	Apr 27, 2021
Instrument	452801
Transaction Type	Transfer
Record Updated	Dec 27, 2021

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	939 CYPRESS RD UNIT 38, 38, SAINT CLOUD, MN 56303-1182

May 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	May 2, 2017
Property Address	5385 SAND BUNKER ST, SAINT CLOUD, MN 56304-4652
Document Number	0000422510
Instrument Date	May 1, 2017
Instrument	422510
Transaction Type	Transfer
Record Updated	Dec 27, 2021

Transaction

Tax	$0.00
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000422511
Date	May 2, 2017
Instrument	422511

Lender

Name	MINNWEST BANK
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Type	Commercial Mortgage
Amount	Amount Recorded
Term	12 Months
Due	May 1, 2018

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	$5,026.00 (+17.48%) Homeowner's exemption	$322,500 (-) Land $60,000 Building $262,500	$322,500 (-) Land $60,000 Building $262,500
2023	$4,278.00	$322,500 Land $45,000 Building $277,500	$322,500 Land $45,000 Building $277,500

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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