Stearns County property record for 5821 Elbow Ln, Saint Cloud, MN 56303 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2 ba · 1,348 sqft · built 1964 |
| Lot Size | 0.46 acres (20,038 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $4 (2025) |
| Flood Zone | Zone AE (high risk) |
| APN | 82-51502-0506 |
| Primary APN | 82-51502-0506 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Stories | 1 Story |
| Building Area | 1,348 sqft Living Area |
| Year Built | Built 1964 |
|---|---|
| Effective Year Built | Effective 1964 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 20,038 sqft (0.46 acres) |
| Lot Width | 98 ft Width |
| Garage Area | 644 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 5821 ELBOW LN |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-1034 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 005 BLK 001 THEISEN PARK SECTION 08 TOWNSHIP 124 RANGE 028 SECTION 08 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 08 |
| Legal Subdivision | THEISEN PARK |
| Legal Block | 1 |
| Legal Lot Number | 5 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1001 |
| Census Tract | 1002 |
Source: Stearns County records · APN 82-51502-0506
Assessment roll updated July 30, 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 | 2 Individual Names on File |
|---|---|
| Mailing Address | 5821 ELBOW LN, SAINT CLOUD, MN 56303-1034 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns 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 | $208,900 (+4.87%) Land $60,000 Building $148,900 | $208,900 (+4.87%) Land $60,000 Building $148,900 | |
| 2025 | $4.00 (-5%) | $199,200 (+3.43%) Land $60,000 Building $139,200 | $199,200 (+3.43%) Land $60,000 Building $139,200 |
| 2024 | $8.00 | ||
| 2023 | $8.00 | $192,600 Land $30,000 Building $162,600 | $192,600 Land $30,000 Building $162,600 |
Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450010021, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone AE |
|---|---|
| Special Flood Hazard Area | Yes |
| Flood Hazard | High |
| 100-Year Floodplain | Yes 1% annual chance |
| Floodway | No |
| Base Flood Elevation | Varies along the reach; see FIRM |
| Flood Insurance Requirement | Required (federally backed mortgages) |
| Flood Insurance Cost | Premium on Record median of 10 individual NFIP policies nearby |
| Nearby Flood Policies | 10 in force |
| Nearby Flood Claims | 1 (2022) |
| Most Recent Claim | May 2022, tidal / storm surge, Severe Storms, Straight-line Winds, And Flooding |
| Wildfire Risk | Not rated no burnable land in reach |
|---|---|
| Wildfire Likelihood | Negligible |
| Exposure | None beyond ember reach |
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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 240 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| BIF IV Intrepid HoldCo | Fiber | 2,000 / 2,000 |
| Spectrum | Cable | 1,000 / 1,000 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
| Starlink | Satellite (low-earth orbit) | 280 / 30 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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