6179 45th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 6179 45th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Rural Home
Details	7 bd · 7 ba · 2,922 sqft · built 2008
Lot Size	21.7 acres (947,430 sqft)
Owner	Trust Name on File
Tax Bill	$11,682 (2025)
Deeds & Mortgages	Aug 2018 Mortgage Sep 2020 Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`25-440-0020`

Property Details

APN / Parcel Number

Primary APN	`25-440-0020`
Alternative APNs	`25-00440-0020` `17627`

Interior

Bedrooms	7 Beds
Full Baths	7 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	2,922 sqft Living Area
1st Floor Area	2,922 sqft
Basement Area	2,662 sqft
Finished Basement	2,662 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Exterior Material	Other
Construction Type	Frame
Roof Material	Composition Shingle
Lot Area	947,430 sqft (21.7 acres)
Garage Type	Attached
Garage Area	960 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	358 sqft
Deck Area	175 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Street Address	6179 45TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9552
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Local Zoning Code	A
Legal Description	TRACT B
Legal Range	30W
Legal Township	35N
Legal Section	34
Legal Subdivision	REGISTERED LAND SURVEY NO 36
Legal Tract	B
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1011
Census Tract	30302

Owner

6179 45th Ave SE, a rural home, is owner-occupied and held in a trust since November 2019.

Source: Sherburne County records, as of August 4, 2026

Owner of Record	Trust Name on File
Mailing Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Aug 1, 2018	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK
Sep 22, 2020	Deed of Trust, Mortgage · Conventional Mortgage LIBERTY BANK
Dec 12, 2019	Quit Claim Deed, Transfer · Conventional Mortgage LIBERTY BANK
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit LIBERTY BK MN
Jul 20, 2018	Deed of Trust, Mortgage · Line of Credit LIBERTY BK MN

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Nov 22, 2019
Transfer Doc	0000056750
Record Updated	Sep 20, 2026

August 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Transaction Type	Mortgage
Record Updated	Feb 7, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000055069
Date	Aug 1, 2018
Instrument	55069

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Aug 1, 2033

Interest

Rate Type	Fixed Rate

September 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000057838
Date	Sep 22, 2020
Instrument	57838

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 1, 2035

Interest

Rate Type	Fixed Rate

December 2019: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Dec 12, 2019
Property Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Document Number	0000056750
Instrument Date	Nov 22, 2019
Instrument	56750
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	HEARTLAND TITLE

Transaction

Tax	$1.65
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552

Mortgage

Document Number	0000056752
Date	Dec 12, 2019
Instrument	56752

Lender

Name	LIBERTY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Dec 1, 2034

Interest

Rate Type	Fixed Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Document Number	0000055094
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Jan 14, 2019
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURANCE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6179 45TH AVE SE ST CLOUD MN 563049552, ST CLOUD, MN 56304-9552

Mortgage

Document Number	0000055094
Date	Aug 8, 2018
Instrument	55094

Lender

Name	LIBERTY BK MN
Address	ST CLOUD, MN 56302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Aug 7, 2023

Interest

Rate Type	Adjustable Rate

July 2018: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	6179 45TH AVE SE, SAINT CLOUD, MN 56304-9552
Document Number	0000055330
Instrument Date	Jul 20, 2018
Transaction Type	Mortgage
Record Updated	Oct 29, 2018
Title Company	FIRST AMERICAN TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	6179 45TH AVE SE ST CLOUD MN 563049552, ST CLOUD, MN 56304-9552

Mortgage

Document Number	0000055330
Date	Oct 15, 2018
Instrument	55330

Lender

Name	LIBERTY BK MN
Address	ST CLOUD, MN 56302

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	60 Months
Due	Oct 14, 2023

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 6179 45th Ave SE was $11,682.

Source: Sherburne County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$1,209,000 (+0.83%) Land $439,800 Building $769,200	$1,209,000 (+0.83%) Land $439,800 Building $769,200
2025	$11,682.00	$1,199,000 Land $427,400 Building $771,600	$1,199,000 Land $427,400 Building $771,600
2023	$11,274.00	$1,221,200 Land $404,700 Building $816,500
2021			$1,221,200 Land $404,700 Building $816,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 6179 45th Ave SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · 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	2 in force

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

Wildfire risk around 6179 45th Ave SE is low, with a 0.03% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 62% of the US · above 66% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 18 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20
CenturyLink DSL	100 / 10
Verizon Fixed Wireless	25 / 6

May also be available: Midco.

Nearby Properties on 45th Ave SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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