5450 Sand Bunker St, Saint Cloud, MN 56304 Property Records

Benton County property record for 5450 Sand Bunker St, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.25 acres (10,918 sqft)
Owner	2 Individual Names on Record
Last Sale	$13,000 (Jun 2015)
Tax Bill	$5,946 (2026)
Deeds & Mortgages	Oct 2022 Transfer Mar 2018 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.01801.00`

Property Details

APN / Parcel Number

Primary APN	`17.01801.00`

Exterior

Architectural Style	Multi-Family
Lot Area	10,918 sqft (0.25 acres)

Location & Zoning

Street Address	5450 SAND BUNKER ST
City	SAINT CLOUD
State	MN
Zip	56304-4632
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-34 TWP-036 RANGE-030 THE FAIRWAYS 3RD ADDITION LOT-005 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	34
Legal Subdivision	FAIRWAYS 3RD ADDITION
Legal Block	2
Legal Lot Number	5
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2084
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	5450 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 11, 2022	Transfer on Death Deed, Transfer
Mar 19, 2018	Deed of Trust, Mortgage LIBERTY BANK
Jun 2, 2020	Deed of Trust, Mortgage · Conventional Mortgage TRADITION MORTGAGE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 15, 2015 · Amount on Record
Deed Sale	Jun 15, 2015 · Amount on Record
Deed Document Number	2015363705
Last Transfer Date	Oct 5, 2022
Transfer Doc	0000463227
Record Updated	Sep 20, 2026

October 2022: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	BENTON MN
Recording Date	Oct 11, 2022
Property Address	5450 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Document Number	0000463227
Instrument Date	Oct 5, 2022
Instrument	463227
Transaction Type	Transfer
Record Updated	Oct 31, 2022

Transaction

Tax	$0.00
Amount Accuracy	Transfer Tax Exempt
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

March 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5450 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	428313
Date	Mar 19, 2018
Instrument	428313

Lender

Name	LIBERTY BANK
Type	Bank
Address	SAINT CLOUD, MN 56302

Agreement

Amount	Amount Recorded
Term	6 Months
Due	Sep 16, 2018

June 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5450 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Transaction Type	Mortgage
Record Updated	Feb 5, 2021
Title Company	ESQUIRE TITLE, ESQUIRE TITLE SERVICE LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	443233
Date	Jun 2, 2020
Instrument	443233

Lender

Name	TRADITION MORTGAGE
Type	Mortgage Company
Address	LAKEVILLE, MN 55044

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2050

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	$5,946.00 (+16.13%) Homeowner's exemption	$374,500 (-) Land $60,000 Building $314,500	$374,500 (-) Land $60,000 Building $314,500
2023	$5,120.00	$374,500 Land $45,000 Building $329,500	$374,500 Land $45,000 Building $329,500

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 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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