623 W Saint Germain St, Saint Cloud, MN 56301 Property Records

Stearns County property record for 623 W Saint Germain St, Saint Cloud, MN 56301

Property Summary

Property Type	Commercial
Details	5,856 sqft · built 1890
Lot Size	0.067 acres (2,928 sqft)
Owner	Company Name on File
Last Sale	$285,000 (Aug 2025)
Tax Bill	$4,542 (2026)
Deeds & Mortgages	Sep 2026 Mortgage Sep 2026 Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-51724-0000`

Property Details

APN / Parcel Number

Primary APN	`82-51724-0000`

Interior

Stories	2 Stories
Building Area	5,856 sqft Living Area
1st Floor Area	2,928 sqft

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Brick
Lot Area	2,928 sqft (0.067 acres)
Lot Width	24 ft Width

Utilities, Heating & Cooling

Cooling System	None
Heating System	Steam

Location & Zoning

Street Address	623 W SAINT GERMAIN ST
City	SAINT CLOUD
State	MN
Zip	56301-3665
Property Category	Commercial
Property Type	Commercial > Retail
Local Zoning Code	C3
Legal Description	W24' 3 INCHES OF S62' OF LOT 4 & W24' 3 INCHES OF LOT 5 BLK 14 WILSON'S SURVEY SECTION 11 TOWNSHIP 124 RANGE 028 14 WILSON'S
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	WILSONS SURVEY
Legal Block	14
Legal Lot Number	4-5
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3004
Census Tract	11600

Owner

623 W Saint Germain St, a commercial property, is owned by a company that bought it in August 2025.

Source: Stearns County records, as of October 1, 2026

Owner of Record	Company Name on File
Mailing Address	3555 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242
Owner Type	Company

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
Sep 16, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE CREDIT UNION
Sep 16, 2026	Deed of Trust, Mortgage · Line of Credit STATE CREDIT UNION
Aug 6, 2025	Warranty Deed, Transfer HOME TOWN TITLE LLC, HOME TOWN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 6, 2025 · Amount on File
Deed Sale	Aug 6, 2025 · Amount on File
Prior Sale	Aug 1, 2025 · Amount on File
Deed Document Number	20251697170
Record Updated	Oct 29, 2026

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Sep 16, 2026
Property Address	623 W SAINT GERMAIN ST, SAINT CLOUD, MN 56301-3665
Document Number	0001721064
Instrument Date	Sep 9, 2026
Instrument	20261721064
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0001721064,
Date	Sep 16, 2026
Instrument	20261721064

Lender

Name	STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	60 Months
Due	Sep 9, 2031

Interest

Max Rate	-1%

September 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Sep 16, 2026
Property Address	623 W SAINT GERMAIN ST, SAINT CLOUD, MN 56301-3665
Document Number	0001721062
Instrument Date	Sep 9, 2026
Instrument	20261721062
Transaction Type	Mortgage
Record Updated	Oct 1, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership, 266

Mortgage

Document Number	0001721062,
Date	Sep 16, 2026
Instrument	20261721062

Lender

Name	STATE CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	24 Months
Due	Sep 9, 2028

Interest

Max Rate	-1%

August 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 6, 2025
Property Address	623 W SAINT GERMAIN ST, SAINT CLOUD, MN 56301-3665
Document Number	00A1697170
Instrument Date	Aug 1, 2025
Instrument	A1697170
Transaction Type	Transfer
Record Updated	Nov 6, 2025
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

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	3555 WILDFLOWER RD S, SAINT CLOUD, MN 56301-6242

Tax Assessment & Valuation

The 2026 property tax bill for 623 W Saint Germain St was $4,542.

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	$4,542.00	$203,000 (+7.98%) Land $38,000 Building $165,000	$203,000 (+7.98%) Land $38,000 Building $165,000
2025		$188,000 Land $38,000 Building $150,000	$188,000 Land $38,000 Building $150,000
2024	$4,096.00 (+22.41%)
2023	$3,346.00	$179,000 Land $38,000 Building $141,000	$179,000 Land $38,000 Building $141,000

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

Flood

FEMA maps place 623 W Saint Germain St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective September 29, 2024

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

The area around 623 W Saint Germain St has no burnable land within ember reach, so its wildfire risk is not rated.

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 327 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Starlink Satellite	280 / 30
T-Mobile Fixed Wireless	100 / 20

May also be available: CenturyLink, Verizon, Xtratyme Technologies.

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