5826 Elbow Ln, Saint Cloud, MN 56303 Property Records

Stearns County property record for 5826 Elbow Ln, Saint Cloud, MN 56303 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.5 ba · 1,915 sqft · built 1963
Lot Size	0.55 acres (23,958 sqft)
Owner	Individual Name on File
Last Sale	$350,000 (Aug 2023)
Tax Bill	$3,412 (2026)
Deeds & Mortgages	Sep 2023 Sale
Flood Zone	Zone AE (high risk)
APN	`82-51502-0526`

Property Details

APN / Parcel Number

Primary APN	`82-51502-0526`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	6 Rooms
Building Area	1,915 sqft Living Area

Exterior

Year Built	Built 1963
Effective Year Built	Effective 1963
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	23,958 sqft (0.55 acres)
Lot Width	200 ft Width
Garage Area	384 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	5826 ELBOW LN
City	SAINT CLOUD
State	MN
Zip	56303-1033
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOTS 8 & 9 BLK 2 THEISEN PARK SECTION 08 TOWNSHIP 124 RANGE 028 THEISEN PARK SECTION 08 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	08
Legal Subdivision	THEISEN PARK
Legal Block	2
Legal Lot Number	8-9
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1001
Census Tract	1002

Owner

Source: Stearns County records · APN 82-51502-0526

Assessment roll updated November 6, 2025 · Last verified April 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	5826 ELBOW LN, SAINT CLOUD, MN 56303-1033
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Aug 31, 2023 · Amount on Record
Deed Sale	Aug 31, 2023 · Amount on Record
Prior Sale	Dec 27, 2016 · Amount on Record
Deed Document Number	20231574195
Record Updated	Jun 08, 2026

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 05, 2023
Property Address	5826 ELBOW LN, SAINT CLOUD, MN 56303-1033
Document Number	00A1659382
Instrument Date	Aug 31, 2023
Instrument	A1659382
Transaction Type	Transfer
Record Updated	Sep 26, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5826 ELBOW LN, SAINT CLOUD, MN 56303-1033

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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	$3,412.00 (+24.98%)
2025		$240,900 (+5.2%) Land $80,000 Building $160,900	$240,900 (+5.2%) Land $80,000 Building $160,900
2023	$2,730.00	$229,000 Land $25,000 Building $204,000	$229,000 Land $25,000 Building $204,000

Flood & Wildfire

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

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
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 4 of 10 on primary residences
Nearby Flood Claims	1 (2022)
Most Recent Claim	May 2022, tidal / storm surge, Severe Storms, Straight-line Winds, And Flooding

Wildfire

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.