Benton County property record for 628 Natures Way, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.376 acres (16,385 sqft) |
| Owner | Individual Name on File |
| Last Sale | $330,000 (Mar 2023) |
| Tax Bill | $4,750 (2026) |
| Deeds & Mortgages | Mar 2023 Sale & Mortgage Oct 2019 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.01473.00 |
| Primary APN | 17.01473.00 |
|---|
| Lot Area | 16,385 sqft (0.376 acres) |
|---|
| Street Address | 628 NATURES WAY |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-1366 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-31 TWP-036 RANGE-030 OAKWOOD HEIGHTS LOT-001 BLOCK-002 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 31 |
| Legal Subdivision | OAKWOOD HEIGHTS |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 3 |
| Census Block | 3016 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.01473.00
Assessment roll updated July 16, 2026 · Last verified July 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 File |
|---|---|
| Mailing Address | 628 NATURES WAY, SAINT CLOUD, MN 56304-1366 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Mar 30, 2023 | Warranty Deed, Transfer · FHA Mortgage PLAZA HOME MORTGAGE INC |
| Oct 03, 2019 | Warranty Deed, Transfer · Conventional Mortgage LIBERTY BANK MINNESOTA |
| Jul 13, 2017 | Warranty Deed, Transfer LIBERTY BANK |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Mar 30, 2023 · Amount on Record |
| Deed Sale | Mar 30, 2023 · Amount on Record |
| Prior Sale | Oct 03, 2019 · Amount on Record |
| Deed Document Number | 2023465596 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Mar 30, 2023 |
| Property Address | 628 NATURES WAY, SAINT CLOUD, MN 56304-1366 |
| Document Number | 0000465596 |
| Instrument Date | Mar 27, 2023 |
| Instrument | 465596 |
| Transaction Type | Transfer |
| Record Updated | Apr 26, 2023 |
| Title Company | FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,089.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 628 NATURES WAY, SAINT CLOUD, MN 56304-1366 |
| Document Number | 0000465597 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 465597 |
| Name | PLAZA HOME MORTGAGE INC |
|---|---|
| Type | Mortgage Company |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 01, 2053 |
| Document Number | 0000465598 |
|---|---|
| Date | Mar 30, 2023 |
| Instrument | 465598 |
| Name | THE HOUSING AND REDEVELOPMENT AUTHORITY |
|---|---|
| Type | Government Agency |
| Type | Stand-Alone First Mortgage |
|---|---|
| Amount | Amount Recorded |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Oct 03, 2019 |
| Property Address | 628 NATURES WAY, SAINT CLOUD, MN 56304-1366 |
| Document Number | 0000438587 |
| Instrument Date | Sep 30, 2019 |
| Instrument | 438587 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Title Company | FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INS CO |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $808.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 628 NATURES WAY, SAINT CLOUD, MN 56304-1366 |
| Document Number | 0000438588 |
|---|---|
| Date | Oct 03, 2019 |
| Instrument | 438588 |
| Name | LIBERTY BANK MINNESOTA |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Oct 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jul 13, 2017 |
| Property Address | 628 NATURES WAY, SAINT CLOUD, MN 56304-1366 |
| Document Number | 0000423830 |
| Instrument Date | Jun 23, 2017 |
| Instrument | 423830 |
| Transaction Type | Transfer |
| Record Updated | Sep 19, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Number | 0000423831 |
|---|---|
| Date | Jul 13, 2017 |
| Instrument | 423831 |
| Name | LIBERTY BANK |
|---|---|
| Type | Bank |
| Address | SAINT CLOUD, MN 56302 |
| Amount | Amount Recorded |
|---|---|
| Term | 361 Months |
| Due | Aug 01, 2047 |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,750.00 (+20.93%) Homeowner's exemption | $321,200 (-) Land $50,000 Building $271,200 | $321,200 (-) Land $50,000 Building $271,200 |
| 2025 | $3,928.00 (+6.45%) Homeowner's exemption | $321,200 (+6.68%) Land $50,000 Building $271,200 | $321,200 (+6.68%) Land $50,000 Building $271,200 |
| 2023 | $3,690.00 | $301,100 Land $50,000 Building $251,100 | $301,100 Land $50,000 Building $251,100 |
Source: FEMA National Flood Hazard Layer as of July 29, 2019 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 66% of the US · above 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.03% annual chance |
| Exposure | None beyond ember reach |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Starlink Satellite | 280 / 30 |
May also be available: Verizon.
Based on FCC filings for 106 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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