612 5th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 612 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.35 acres (15,286 sqft)
Owner	Individual Name on Record
Last Sale	$175,000 (Dec 2023)
Tax Bill	$1,826 (2026)
Deeds & Mortgages	Dec 2023 Sale & Mortgage Mar 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.00455.00`

Property Details

APN / Parcel Number

Primary APN	`17.00455.00`

Exterior

Lot Area	15,286 sqft (0.35 acres)

Location & Zoning

Street Address	612 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 A A WRIGHT'S ADDN LOT-006 BLOCK-00A NLY 56 FT
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	A A WRIGHT'S ADDN
Legal Block	A
Legal Lot Number	6
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5053
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	612 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 1, 2023	Warranty Deed, Transfer · FHA Mortgage UNITED WHOLESALE MORTGAGE
Mar 9, 2017	Warranty Deed, Transfer BELL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 1, 2023 · Amount on Record
Deed Sale	Dec 1, 2023 · Amount on Record
Deed Document Number	2023469389
Record Updated	Sep 20, 2026

December 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Dec 1, 2023
Property Address	612 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Document Number	0000469389
Instrument Date	Oct 17, 2023
Instrument	469389
Transaction Type	Transfer
Record Updated	Dec 20, 2023
Title Company	SHERBUME CNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
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
Address	612 5TH AVE SE, SAINT CLOUD, MN 56304-1012

Mortgage

Document Number	0000469390
Date	Dec 1, 2023
Instrument	469390

Lender

Name	UNITED WHOLESALE MORTGAGE
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Nov 1, 2053

Mortgage

Document Number	0000469391
Date	Dec 1, 2023
Instrument	469391

Lender

Name	THE HOUSING AND REDEVELOPMENT AUTHORITY
Type	Government Agency

Agreement

Amount	Amount Recorded

March 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Mar 9, 2017
Property Address	612 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Document Number	0000421441
Instrument Date	Feb 28, 2017
Instrument	421441
Transaction Type	Transfer
Record Updated	Sep 19, 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
Relationship	Joint Tenants

Mortgage

Document Number	0000421442
Date	Mar 9, 2017
Instrument	421442

Lender

Name	BELL BANK
Type	Bank
Address	MINNEAPOLIS, MN 55416

Agreement

Amount	Amount Recorded
Term	360 Months
Due	Mar 1, 2047

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	$1,826.00 (+14.41%) Homeowner's exemption	$159,400 (+7.99%) Land $30,000 Building $129,400	$159,400 (+7.99%) Land $30,000 Building $129,400
2025	$1,596.00 (+10.53%) Homeowner's exemption	$147,600 (+5.96%) Land $30,000 Building $117,600	$147,600 (+5.96%) Land $30,000 Building $117,600
2023	$1,444.00	$139,300 Land $30,000 Building $109,300	$139,300 Land $30,000 Building $109,300

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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