606 4th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 606 4th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	2 Individual Names on Record
Last Sale	$225,000 (Jun 2026)
Tax Bill	$2,518 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Sep 2022 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00851.00`

Property Details

APN / Parcel Number

Primary APN	`17.00851.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	606 4TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0110
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-006 BLOCK-017
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	17
Legal Lot Number	6
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4024
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	606 4TH AVE NE, SAINT CLOUD, MN 56304-0110
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 26, 2026	Warranty Deed, Transfer · FHA Mortgage ROCKET MORTGAGE LLC
Sep 29, 2022	Warranty Deed, Transfer · Conventional Mortgage AMERICAN HERITAGE NATIONAL BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 26, 2026 · Amount on Record
Deed Sale	Jun 26, 2026 · Amount on Record
Prior Sale	Sep 29, 2022 · Amount on Record
Deed Document Number	2026484168
Record Updated	Oct 29, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Jun 26, 2026
Property Address	606 4TH AVE NE, SAINT CLOUD, MN 56304-0110
Document Number	0000484168
Instrument Date	Jun 25, 2026
Instrument	2026484168
Transaction Type	Transfer
Record Updated	Jul 14, 2026
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$74,992.50
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	606 4TH AVE NE, SAINT CLOUD, MN 56304-0110

Mortgage

Document Number	0000484169,
Date	Jun 26, 2026
Instrument	2026484169

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.36%
Max Rate	-1%

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 29, 2022
Property Address	606 4TH AVE NE, SAINT CLOUD, MN 56304-0110
Document Number	0000463074
Instrument Date	Sep 15, 2022
Instrument	463074
Transaction Type	Transfer
Record Updated	Oct 18, 2022
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$646.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	606 4TH AVE NE, SAINT CLOUD, MN 56304-0110

Mortgage

Document Number	0000463075
Date	Sep 29, 2022
Instrument	463075

Lender

Name	AMERICAN HERITAGE NATIONAL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2052

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	$2,518.00 (+12.11%) Homeowner's exemption	$188,700 (-) Land $25,000 Building $163,700	$188,700 (-) Land $25,000 Building $163,700
2025	$2,246.00 (+7.46%) Homeowner's exemption	$188,700 (-) Land $25,000 Building $163,700	$188,700 (-) Land $25,000 Building $163,700
2023	$2,090.00	$188,700 Land $25,000 Building $163,700	$188,700 Land $25,000 Building $163,700

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	Not rated no burnable land within 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 263 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
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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