5482 Sand Bunker St, Saint Cloud, MN 56304 Property Records

Benton County property record for 5482 Sand Bunker St, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.274 acres (11,934 sqft)
Owner	2 Individual Names on Record
Last Sale	$22,500 (Jun 2006)
Tax Bill	$3,946 (2026)
Deeds & Mortgages	Jul 2013 Mortgage Dec 2006 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.01797.00`

Property Details

APN / Parcel Number

Primary APN	`17.01797.00`

Exterior

Lot Area	11,934 sqft (0.274 acres)

Location & Zoning

Street Address	5482 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-001 BLOCK-002
Legal Range	030
Legal Township	036
Legal Section	34
Legal Subdivision	FAIRWAYS 3RD ADDITION
Legal Block	2
Legal Lot Number	1
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	5482 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 31, 2013	Deed of Trust, Mortgage · Conventional Mortgage HIWAY FCU
Dec 28, 2006	Deed of Trust, Mortgage · ARM WELLS FARGO BANK NA
Jun 3, 2009	Deed of Trust, Mortgage · Conventional Mortgage WELLS FARGO BANK NA
Jun 9, 2006	Trustee's Deed, Foreclosure · Conventional Mortgage WELLS FARGO BANK NA

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 9, 2006 · Amount on Record
Deed Sale	Jun 9, 2006 · Amount on Record
Prior Sale	Mar 23, 2005
Deed Document Number	20061338945
Prior Transfer Date	May 19, 2006
Prior Transfer Doc	0001338945
Record Updated	Oct 29, 2026

July 2013: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5482 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000398392
Date	Jul 31, 2013
Instrument	398392

Lender

Name	HIWAY FCU
Type	Credit Union
Address	SAINT PAUL, MN 55103

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Aug 1, 2043

December 2006: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5482 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001344755
Date	Dec 28, 2006
Instrument	1344755

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	BALTIMORE, MD 21297

Agreement

Type	ARM
Amount	Amount Recorded
Term	361 Months
Due	Jan 1, 2037

Interest

Rate Type	Adjustable Rate
Rate	5.75%
Type Change Date	Jan 1, 2014
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.7%
Index	1-Year LIBOR
Max Rate	10.7%

June 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	5482 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Transaction Type	Mortgage
Record Updated	Apr 3, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001366312
Date	Jun 3, 2009
Instrument	1366312

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2039

June 2006: Trustee's Deed, Foreclosure

Document Type	Trustee's Deed
Jurisdiction	BENTON MN
Recording Date	Jun 9, 2006
Property Address	5482 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632
Document Number	0001338945
Instrument Date	May 19, 2006
Instrument	1338945
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount Recorded
Tax	$742.50
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name
Address	00000

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5482 SAND BUNKER ST, SAINT CLOUD, MN 56304-4632

Mortgage

Document Number	0001338946
Date	Jun 9, 2006
Instrument	1338946

Lender

Name	WELLS FARGO BANK NA
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2036

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	$3,946.00 (+16.47%) Homeowner's exemption	$261,300 (-) Land $60,000 Building $201,300	$261,300 (-) Land $60,000 Building $201,300
2023	$3,388.00	$261,300 Land $45,000 Building $216,300	$261,300 Land $45,000 Building $216,300

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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