610 5th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 610 5th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.142 acres (6,199 sqft)
Owner	Individual Name on Record
Tax Bill	$2,280 (2026)
Deeds & Mortgages	Jun 2026 Mortgage Dec 2025 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.01000.00`

Property Details

APN / Parcel Number

Primary APN	`17.01000.00`

Exterior

Lot Area	6,199 sqft (0.142 acres)

Location & Zoning

Street Address	610 5TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-0114
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-006 BLOCK-029
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	29
Legal Lot Number	6
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4002
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	Individual Name on Record
Mailing Address	610 5TH AVE NE, SAINT CLOUD, MN 56304-0114
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 15, 2026	Deed of Trust, Mortgage · FHA Mortgage LOANDEPOT.COM LLC
Dec 9, 2025	Deed of Trust, Mortgage · Stand-Alone Second Mortgage LOANDEPOT.COM LLC

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

June 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Jun 15, 2026
Property Address	610 5TH AVE NE, SAINT CLOUD, MN 56304-0114
Document Number	0000483931
Instrument Date	Jun 9, 2026
Instrument	2026483931
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	OLD TITLE, LD TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	610 5TH AVE NE, SAINT CLOUD, MN 56304-0114

Mortgage

Document Number	0000483931,
Date	Jun 15, 2026
Instrument	2026483931

Lender

Name	LOANDEPOT.COM LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 1, 2041

Interest

Rate	5.71%
Max Rate	-1%

December 2025: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	610 5TH AVE NE, SAINT CLOUD, MN 56304-0114
Transaction Type	Mortgage
Record Updated	Jan 1, 2026
Title Company	CLOSING USA LLC

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000480840
Date	Dec 9, 2025
Instrument	480840

Lender

Name	LOANDEPOT.COM LLC
Type	Mortgage Company
Address	IRVINE, CA 92618

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount Recorded
Term	239 Months
Due	Nov 1, 2045

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	$2,280.00 (+11.55%) Homeowner's exemption	$159,300 (+14.19%) Land $25,000 Building $134,300	$159,300 (+14.19%) Land $25,000 Building $134,300
2023	$2,044.00	$139,500 Land $25,000 Building $114,500	$139,500 Land $25,000 Building $114,500

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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