Benton County property record for 540 Apollo Ave NE, Saint Cloud, MN 56304
| Property Type | Commercial |
|---|---|
| Lot Size | 0.8 acres (34,848 sqft) |
| Owner | Company Name on File |
| Last Sale | $375,000 (Jul 2022) |
| Tax Bill | $11,828 (2026) |
| Deeds & Mortgages | Nov 2022 Second Mortgage Nov 2022 Assignment + 6 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02443.00 |
| Primary APN | 17.02443.00 |
|---|
| Units | 5 Units |
|---|
| Lot Area | 34,848 sqft (0.8 acres) |
|---|
| Street Address | 540 APOLLO AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0208 |
| Property Category | Commercial |
| Property Type | Commercial > Retail |
| Legal Description | SECT-36 TWP-036 RANGE-031 FERKINHOFF AND FRITZ ADDITION LOT-001 BLOCK-001 .80 AC |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 36 |
| Legal Subdivision | FRITZ ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 5 |
| Census Block | 5007 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.02443.00
Assessment roll updated July 16, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | PO BOX 129, SARTELL, MN 56377-0129 |
| Owner Type | Company |
| Vesting | Company |
| Date | Document |
|---|---|
| Nov 28, 2022 | Deed of Trust, Mortgage · Stand-Alone Second Mortgage AMERICAN NATIONAL BANK OF MINNESOTA |
| Nov 28, 2022 | Assignment of Deed, Transfer NOT AVAILABLE, CURRY TITLE |
| Jun 29, 2022 | Intrafamily Transfer, Transfer QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC |
| Oct 05, 2021 | Land Contract, Transfer · Land Contract NOT AVAILABLE |
| Oct 05, 2021 | Warranty Deed, Transfer · Commercial Mortgage AMERICAN NATIONAL BANK OF MINNESOTA |
| Dec 23, 2020 | Deed of Trust, Mortgage · Commercial Mortgage VILLAGE BANK |
| Apr 09, 2018 | Warranty Deed, Transfer STEVEN RUETER |
| Apr 09, 2018 | Warranty Deed, Transfer FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Jul 18, 2022 · Amount on Record |
| Deed Sale | Jul 18, 2022 · Amount on Record |
| Prior Sale | Jun 29, 2022 · Amount on Record |
| Deed Document Number | 2022461819 |
| Prior Transfer Date | Jun 23, 2022 |
| Prior Transfer Doc | 0000461505 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Transaction Type | Mortgage |
| Record Updated | Dec 13, 2022 |
| Title Company | QUARRY TITLE |
| Name | Verified Name |
|---|
| Document Number | 0000463977 |
|---|---|
| Date | Nov 28, 2022 |
| Instrument | 463977 |
| Name | AMERICAN NATIONAL BANK OF MINNESOTA |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, MN 56301 |
| Type | Stand-Alone Second Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 46 Months |
| Due | Sep 24, 2026 |
| Document Type | Assignment of Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Nov 28, 2022 |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Document Number | 0000463980 |
| Instrument Date | Nov 23, 2022 |
| Instrument | 463980 |
| Transaction Type | Transfer |
| Record Updated | Dec 13, 2022 |
| Title Company | NOT AVAILABLE, CURRY TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3210 W DIVISION ST, SAINT CLOUD, MN 56301-3821 |
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jun 29, 2022 |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Document Number | 0000461505 |
| Instrument Date | Jun 23, 2022 |
| Instrument | 461505 |
| Transaction Type | Transfer |
| Record Updated | Jul 18, 2022 |
| Title Company | QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | PO BOX 129, SARTELL, MN 56377-0129 |
| Document Type | Land Contract |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 05, 2021 |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Document Number | 455860 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 455860 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Title Company | QUDARY TITLE, QUARRY TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Date | Oct 05, 2021 |
|---|
| Name | NOT AVAILABLE |
|---|
| Type | Land Contract |
|---|---|
| Amount | Amount Recorded |
| Term | 181 Months |
| Due | Nov 01, 2036 |
| Rate | 6% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 05, 2021 |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Document Number | 455856 |
| Instrument Date | Sep 24, 2021 |
| Instrument | 455856 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2021 |
| Title Company | QUARRY TITLE AND CLOSING LLC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $907.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 503 3RD ST N, SARTELL, MN 56377-1748 |
| Document Number | 455857 |
|---|---|
| Date | Oct 05, 2021 |
| Instrument | 455857 |
| Name | AMERICAN NATIONAL BANK OF MINNESOTA |
|---|---|
| Type | Bank |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Transaction Type | Mortgage |
| Record Updated | Feb 05, 2021 |
| Name | Verified Name |
|---|---|
| Address | 2300 6TH ST N, SAINT CLOUD, MN 56303-3206 |
| Document Number | 448488 |
|---|---|
| Date | Dec 23, 2020 |
| Instrument | 448488 |
| Name | VILLAGE BANK |
|---|---|
| Type | Bank |
| Address | MINNEAPOLIS, MN 55434 |
| Type | Commercial Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Apr 09, 2018 |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Document Number | 428702 |
| Instrument Date | Apr 03, 2018 |
| Instrument | 428702 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $709.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 2300 6TH ST N, SAINT CLOUD, MN 56303-3206 |
| Document Number | 428703 |
|---|---|
| Date | Apr 09, 2018 |
| Instrument | 428703 |
| Name | STEVEN RUETER |
|---|---|
| Type | Private Party |
| Amount | Amount Recorded |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Apr 09, 2018 |
| Property Address | 540 APOLLO AVE NE, SAINT CLOUD, MN 56304-0208 |
| Document Number | 428701 |
| Instrument Date | Apr 03, 2018 |
| Instrument | 428701 |
| Transaction Type | Transfer |
| Record Updated | Aug 09, 2021 |
| Title Company | FIRSTAMERICAN TITLE COMPANY, FIRST AMERICAN TITLE COMPANY |
| Amount | Amount Recorded |
|---|---|
| Tax | $511.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3547 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
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 | $11,828.00 (+18.78%) | $341,100 (-) Land $87,100 Building $254,000 | $341,100 (-) Land $87,100 Building $254,000 |
| 2025 | $9,958.00 (+50.92%) | $341,100 (+9.71%) Land $87,100 Building $254,000 | $341,100 (+9.71%) Land $87,100 Building $254,000 |
| 2023 | $6,598.00 | $310,900 Land $87,100 Building $223,800 | $310,900 Land $87,100 Building $223,800 |
Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| 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 |
Based on FCC filings for 214 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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