Stearns County property record for 5652 W Oakes Dr, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,268 sqft · built 1988 |
| Lot Size | 0.57 acres (24,829 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $317,000 (Oct 2026) |
| Tax Bill | $4,402 (2026) |
| Deeds & Mortgages | Oct 2026 Sale & Mortgage May 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-52403-0222 |
| Primary APN | 82-52403-0222 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Building Area | 1,268 sqft Living Area |
| Year Built | Built 1988 |
|---|---|
| Effective Year Built | Effective 1988 |
| Architectural Style | Bi-Level |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 24,829 sqft (0.57 acres) |
| Lot Width | 96 ft Width |
| Garage Area | 650 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 5652 W OAKES DR |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-0729 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 010 BLK 002 WEST RIVER OAKES SECTION 08 TOWNSHIP 124 RANGE 028 SECTION 08 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 08 |
| Legal Subdivision | WEST RIVER OAKES |
| Legal Block | 2 |
| Legal Lot Number | 10 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1016 |
| Census Tract | 1003 |
5652 W Oakes Dr is owned and occupied by two individuals who bought it in October 2026.
Source: Stearns County records, as of October 20, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 5652 W OAKES DR, SAINT CLOUD, MN 56303-0729 |
| 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.
| Date | Document |
|---|---|
| Oct 2, 2026 | Warranty Deed, Transfer · Conventional Mortgage PREMIER MORTGAGE |
| May 3, 2023 | Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Oct 2, 2026 · Amount on File |
| Deed Sale | Oct 2, 2026 · Amount on File |
| Prior Sale | May 1, 2023 · Amount on File |
| Deed Document Number | 20261722074 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Oct 2, 2026 |
| Property Address | 5652 W OAKES DR, SAINT CLOUD, MN 56303-0729 |
| Document Number | 0001722074 |
| Instrument Date | Sep 17, 2026 |
| Instrument | 20261722074 |
| Transaction Type | Transfer |
| Record Updated | Oct 20, 2026 |
| Title Company | CLOSING AND TITLE SERVICES, KEY TITLE & CLOSING SERVICES |
| Amount | Amount on Record |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $105,656.10 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5652 W OAKES DR, SAINT CLOUD, MN 56303-0729 |
| Document Number | 0001722074, |
|---|---|
| Date | Oct 2, 2026 |
| Instrument | 20261722074 |
| Name | PREMIER MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 360 Months |
| Due | Oct 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Date | Oct 2, 2026 |
|---|
| Name | PREMIER MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 180 Months |
| Due | Oct 1, 2041 |
| Max Rate | -1% |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | May 3, 2023 |
| Property Address | 5652 W OAKES DR, SAINT CLOUD, MN 56303-0729 |
| Document Number | 00A1652376 |
| Instrument Date | Apr 24, 2023 |
| Instrument | A1652376 |
| Transaction Type | Transfer |
| Record Updated | May 30, 2023 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 5652 W OAKES DR, SAINT CLOUD, MN 56303-0729 |
The 2026 property tax bill for 5652 W Oakes Dr was $4,402.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,402.00 | $312,100 (-) Land $40,000 Building $272,100 | $312,100 (-) Land $40,000 Building $272,100 |
| 2025 | $312,100 Land $40,000 Building $272,100 | $312,100 Land $40,000 Building $272,100 | |
| 2023 | $3,374.00 | $291,900 Land $40,000 Building $251,900 | $291,900 Land $40,000 Building $251,900 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 5652 W Oakes Dr in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · 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 | 4 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 risk around 5652 W Oakes Dr is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 97% of the US · lower than 89% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 261 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Intrepid Fiber Networks Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| CenturyLink DSL | 140 / 20 |
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