605 7th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 605 7th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 2,848 sqft · built 1892
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,000 (May 2026)
Tax Bill	$4,692 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage Oct 2023 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82-48117-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48117-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,848 sqft Living Area
1st Floor Area	1,586 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1892
Effective Year Built	Effective 1892
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Width	66 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating Fuel	Gas

Location & Zoning

Street Address	605 7TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3526
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LOT 006 BLK 090 LOWRY'S ADD SECTION 11 TOWNSHIP 124 RANGE 028 SECTION 11 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	LOWRYS ADD
Legal Block	90
Legal Lot Number	6
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4018
Census Tract	801

Owner

Source: Stearns County records, as of July 30, 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	605 7TH AVE N, SAINT CLOUD, MN 56303-3526
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 18, 2026	Warranty Deed, Transfer · Conventional Mortgage NEW AMERICAN FUNDING
Oct 4, 2023	Warranty Deed, Transfer KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TITLE UNITED LL
Feb 10, 2020	Warranty Deed, Transfer
Jun 27, 2019	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 18, 2026 · Amount on Record
Deed Sale	May 18, 2026 · Amount on Record
Prior Sale	Sep 29, 2023 · Amount on Record
Deed Document Number	20261713196
Prior Transfer Date	Feb 5, 2020
Prior Transfer Doc	00A1562689
Record Updated	Oct 29, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 18, 2026
Property Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526
Document Number	0001713196
Instrument Date	May 15, 2026
Instrument	20261713196
Transaction Type	Transfer
Record Updated	Jun 5, 2026
Title Company	TITLE GROUP

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$117,654.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526

Mortgage

Document Number	0001713197,
Date	May 18, 2026
Instrument	20261713197

Lender

Name	NEW AMERICAN FUNDING

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.46%
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 4, 2023
Property Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526
Document Number	00A1661217
Instrument Date	Sep 29, 2023
Instrument	A1661217
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	KNIGHT BARRY TITLE UNITED LLC, KNIGHT BARRY TITLE UNITED LL

Transaction

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	605 7TH AVE N, SAINT CLOUD, MN 56303-3526

February 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 10, 2020
Property Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526
Document Number	00A1562689
Instrument Date	Feb 5, 2020
Instrument	A1562689
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

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
Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526

June 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 27, 2019
Property Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526
Document Number	00A1546641
Instrument Date	Jun 20, 2019
Instrument	A1546641
Transaction Type	Transfer
Record Updated	Nov 16, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	605 7TH AVE N, SAINT CLOUD, MN 56303-3526

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,692.00 (+43.49%)	$316,000 (-) Land $30,000 Building $286,000	$316,000 (-) Land $30,000 Building $286,000
2025		$316,000 (+11.9%) Land $30,000 Building $286,000	$316,000 (+11.9%) Land $30,000 Building $286,000
2023	$3,270.00	$282,400 Land $30,000 Building $252,400	$282,400 Land $30,000 Building $252,400

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 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	1 in force
Nearby Flood Claims	3 (1979–1997)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks.

Nearby Properties on 7th Ave N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures