5848 16th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 5848 16th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,656 sqft · built 1964
Lot Size	0.71 acres (30,928 sqft)
Owner	2 Individual Names on Record
Last Sale	$395,000 (Aug 2025)
Tax Bill	$3,022 (2025)
Deeds & Mortgages	Feb 2022 Mortgage Sep 2025 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`25-406-0124`

Property Details

APN / Parcel Number

Primary APN	`25-406-0124`
Alternative APNs	`25-00406-0124` `17291`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Building Area	1,656 sqft Living Area
1st Floor Area	1,656 sqft
Basement Area	1,190 sqft
Finished Basement	1,190 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1968
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Wood
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	30,928 sqft (0.71 acres)
Garage Type	Attached
Garage Area	506 sqft
Driveway	Driveway

Exterior Amenities

Porch	Porch
Porch Area	318 sqft
Deck Area	333 sqft
Patio Area	330 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Account Number	17291
Street Address	5848 16TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9545
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	SR
Legal Description	LOT 12 AND THAT PART OF LOT ELEVEN OF BLK 1, RIVER HAVEN, DESC AS FOLLOWS: COMM AT THE PT OF INTERSECTION OF THE BOUNDARY
Legal Range	30W
Legal Township	35N
Legal Section	31
Legal Subdivision	RIVER HAVEN
Legal Block	1
Legal Lot Number	10-12
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1016
Census Tract	30302

Owner

Source: Sherburne County records, as of September 15, 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	5848 16TH AVE SE, SAINT CLOUD, MN 56304-9545
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 2, 2022	Deed of Trust, Mortgage · FHA Mortgage ROCKET MORTGAGE LLC
Sep 19, 2025	Correction Deed FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY
Aug 15, 2025	Warranty Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 15, 2025 · Amount on Record
Deed Sale	Aug 15, 2025 · Amount on Record
Prior Sale	Sep 11, 2009
Deed Document Number	2025986782
Prior Transfer Date	Aug 6, 2025
Prior Transfer Doc	0000988239
Record Updated	Oct 29, 2026

February 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	5848 16TH AVE SE, SAINT CLOUD, MN 56304-9545
Transaction Type	Mortgage
Record Updated	Apr 3, 2026
Title Company	AMROCK INC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000937043
Date	Feb 2, 2022
Instrument	937043

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company
Address	DETROIT, MI 48226

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Feb 1, 2052

September 2025: Correction Deed

Document Type	Correction Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 19, 2025
Property Address	5848 16TH AVE SE, SAINT CLOUD, MN 56304-9545
Document Number	0000988239
Instrument Date	Aug 6, 2025
Instrument	988239
Record Updated	Oct 7, 2025
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5848 16TH AVE SE, SAINT CLOUD, MN 56304-9545

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 15, 2025
Property Address	5848 16TH AVE SE, SAINT CLOUD, MN 56304-9545
Document Number	0000986782
Instrument Date	Aug 6, 2025
Instrument	986782
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY MT, FIRST AMER TITLE INS COMPANY

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,303.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	5848 16TH AVE SE, SAINT CLOUD, MN 56304-9545

Mortgage

Document Number	0000986783
Date	Aug 15, 2025
Instrument	986783

Lender

Name	AMERICAN HERITAGE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2055

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$380,400 (+1.77%) Land $138,900 Building $241,500	$380,400 (+1.77%) Land $138,900 Building $241,500
2025	$3,022.00 (+3.99%)	$373,800 (+2.64%) Land $138,900 Building $234,900	$373,800 (+2.64%) Land $138,900 Building $234,900
2023	$2,906.00	$364,200 Land $128,600 Building $235,600
2021			$364,200 Land $128,600 Building $235,600

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 November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.02% 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 Augusta serves 1,600 people · EPA ID MN1730063
Water Source	Purchased surface water from Saint Cloud
Last State Inspection	Mar 2025
Lead	Under 1 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 32 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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