604 Wilson Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 604 Wilson Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.134 acres (5,874 sqft)
Owner	2 Individual Names on Record
Last Sale	$175,000 (Jul 2022)
Tax Bill	$2,218 (2026)
Deeds & Mortgages	Jul 2022 Sale & Mortgage Aug 2019 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00487.00`

Property Details

APN / Parcel Number

Primary APN	`17.00487.00`

Exterior

Lot Area	5,874 sqft (0.134 acres)

Location & Zoning

Street Address	604 WILSON AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1043
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 A A WRIGHT'S ADDN LOT-002 BLOCK-003
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	A A WRIGHT'S ADDN
Legal Block	3
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5057
Census Tract	21201

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	22037 181ST ST NW, BIG LAKE, MN 55309-8243
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 13, 2022	Warranty Deed, Transfer · Conventional Mortgage SUMMIT MORTGAGE CORP
Aug 9, 2019	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 13, 2022 · Amount on Record
Deed Sale	Jul 13, 2022 · Amount on Record
Prior Sale	Jun 15, 2022 · Amount on Record
Deed Document Number	2022461745
Record Updated	Sep 20, 2026

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jul 13, 2022
Property Address	604 WILSON AVE SE, SAINT CLOUD, MN 56304-1043
Document Number	0000461745
Instrument Date	Jun 14, 2022
Instrument	461745
Transaction Type	Transfer
Record Updated	Sep 13, 2022
Title Company	CYGNETURE TITLE SOLUTIONS LLC, CYGNETURE TITLE SLN LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.50
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	22037 181ST ST NW, BIG LAKE, MN 55309-8243

Mortgage

Document Number	0000461746
Date	Jul 13, 2022
Instrument	461746

Lender

Name	SUMMIT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2052

August 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 9, 2019
Property Address	604 WILSON AVE SE, SAINT CLOUD, MN 56304-1043
Document Number	437452
Instrument Date	Aug 7, 2019
Instrument	437452
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	QUARRY TITLE AND CLOSING LLC, QUARRY TITLE & CLOSING LLC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$396.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 WILSON AVE SE, SAINT CLOUD, MN 56304-1043

Mortgage

Document Number	437453
Date	Aug 9, 2019
Instrument	437453

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Sep 1, 2049

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	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,218.00 (+25.31%)	$159,700 (+14.23%) Land $25,000 Building $134,700	$159,700 (+14.23%) Land $25,000 Building $134,700
2023	$1,770.00	$139,800 Land $25,000 Building $114,800	$139,800 Land $25,000 Building $114,800

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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