5402 Sand Bunker St, Saint Cloud, MN 56304 Property Records

Benton County property record for 5402 Sand Bunker St, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.196 acres (8,566 sqft)
Owner	2 Individual Names on File
Last Sale	$368,239 (Sep 2025)
Tax Bill	$104 (2026)
Deeds & Mortgages	Sep 2025 Sale Jul 2019 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.01807.00`

Property Details

APN / Parcel Number

Primary APN	`17.01807.00`

Exterior

Architectural Style	Multi-Family
Lot Area	8,566 sqft (0.196 acres)

Location & Zoning

Street Address	5402 SAND BUNKER ST
City	SAINT CLOUD
State	MN
Zip	56304-4632
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-34 TWP-036 RANGE-030 THE FAIRWAYS 3RD ADDITION LOT-011 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	34
Legal Subdivision	FAIRWAYS 3RD ADDITION
Legal Block	2
Legal Lot Number	11
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2084
Census Tract	20300

Owner

5402 Sand Bunker St, a residential property, is owned and occupied by two individuals who bought it in September 2025.

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

Owner of Record	2 Individual Names on File
Mailing Address	5402 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

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
Sep 25, 2025	Warranty Deed, Subdivision Related Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL
Jul 18, 2019	Deed of Trust, Mortgage · Commercial Mortgage THE BANK OF ELK RIVER
Feb 19, 2021	Warranty Deed, Transfer · Line of Credit FIRST BANK ELK RIVER
Jul 1, 2019	Warranty Deed, Transfer HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2025 · Amount on File
Deed Sale	Sep 25, 2025 · Amount on File
Prior Sale	Feb 19, 2021 · Amount on File
Deed Document Number	2025479580
Prior Transfer Date	Jul 15, 2011
Prior Transfer Doc	0001382864
Record Updated	Sep 20, 2026

September 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 25, 2025
Property Address	5402 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Document Number	0000479580
Instrument Date	Sep 25, 2025
Instrument	479580
Transaction Type	Subdivision Related Transfer
Record Updated	Oct 14, 2025
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Tax	$1,215.19
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	5402 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632

July 2019: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5402 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Transaction Type	Mortgage
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT & TTL

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000437013
Date	Jul 18, 2019
Instrument	437013

Lender

Name	THE BANK OF ELK RIVER
Type	Bank
Address	ELK RIVER, MN 55330

Agreement

Type	Commercial Mortgage
Amount	Amount on Record
Term	126 Months
Due	Jan 15, 2030

February 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Feb 19, 2021
Property Address	5402 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Document Number	0000449902
Instrument Date	Feb 12, 2021
Instrument	449902
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$876.15
Amount Accuracy	Rounded by County
Additional	Arm's Length Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	15697 180TH ST, MILACA, MN 56353-3202
Investor	Possibly a Property Investor

Mortgage

Document Number	0000449903
Date	Feb 19, 2021
Instrument	449903

Lender

Name	FIRST BANK ELK RIVER
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	12 Months
Due	Feb 12, 2022

July 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 1, 2019
Property Address	5402 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Document Number	0000436745
Instrument Date	Jun 28, 2019
Instrument	436745
Transaction Type	Transfer
Record Updated	Aug 15, 2022
Title Company	HOME SECURITY ABSTRACT AND TITLE, HOME SECURITY ABSTRACT & TTL

Transaction

Amount	Amount on Record
Tax	$82.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	11690 95TH ST NE, OTSEGO, MN 55330-7423
Investor	Possibly a Property Investor

Tax Assessment & Valuation

The 2026 property tax bill for 5402 Sand Bunker St was $104, down 41.6% from the year before.

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	$104.00 (-41.57%)	$355,700 (+3,457%) Land $60,000 Building $295,700	$355,700 (+3,457%) Land $60,000 Building $295,700
2025	$178.00	$10,000 Land $10,000	$10,000 Land $10,000
2023	$184.00	$10,000 Land $10,000	$10,000 Land $10,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 5402 Sand Bunker St 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 5402 Sand Bunker St is low, with a 0.04% annual chance of wildfire.

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

Wildfire Risk	Low lower than 64% of the US · above 63% of Minnesota
Wildfire Likelihood	0.04% annual chance
Exposure	Direct burnable vegetation

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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