628 Riverside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 628 Riverside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.175 acres (7,649 sqft)
Owner	2 Individual Names on Record
Last Sale	$228,000 (Nov 2024)
Tax Bill	$2,706 (2026)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Mar 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00691.00`

Property Details

APN / Parcel Number

Primary APN	`17.00691.00`

Exterior

Lot Area	7,649 sqft (0.175 acres)

Location & Zoning

Street Address	628 RIVERSIDE DR NE
City	SAINT CLOUD
State	MN
Zip	56304-0135
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-003 BLOCK-002
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	2
Legal Lot Number	3
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4010
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	2 Individual Names on Record
Mailing Address	628 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Aug 30, 2022	Warranty Deed, Transfer · Conventional Mortgage ROCKET MORTGAGE LLC
Mar 22, 2021	Deed of Trust, Mortgage · Conventional Mortgage ENVISION CAPITAL INC
Apr 26, 2018	Deed, Transfer · FHA Mortgage HOMESERVICES LENDING LLC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Nov 22, 2024 · Amount on Record
Deed Sale	Nov 22, 2024 · Amount on Record
Prior Sale	Aug 30, 2022 · Amount on Record
Deed Document Number	2024474670
Prior Transfer Date	Nov 27, 2006
Prior Transfer Doc	1344223
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Aug 30, 2022
Property Address	628 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Document Number	0000462571
Instrument Date	Jul 22, 2022
Instrument	462571
Transaction Type	Transfer
Record Updated	Sep 16, 2022
Title Company	BURNETT TITLE, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$684.42
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135

Mortgage

Document Number	0000462572
Date	Aug 30, 2022
Instrument	462572

Lender

Name	ROCKET MORTGAGE LLC
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2052

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	628 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Transaction Type	Mortgage
Record Updated	May 5, 2021
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	450772
Date	Mar 22, 2021
Instrument	450772

Lender

Name	ENVISION CAPITAL INC
Type	Non-Lending Institution
Address	HOPKINS, MN 55305

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	240 Months
Due	Mar 1, 2041

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	BENTON MN
Recording Date	Apr 26, 2018
Property Address	628 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Document Number	428975
Instrument Date	Mar 30, 2018
Instrument	428975
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$445.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	628 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135

Mortgage

Document Number	428976
Date	Apr 26, 2018
Instrument	428976

Lender

Name	HOMESERVICES LENDING LLC
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Apr 1, 2048

Mortgage

Document Number	428977
Date	Apr 26, 2018
Instrument	428977

Lender

Name	THE HOUSING AND REDEVELOPMENT AUTHORITY
Type	Non-Lending Institution

Agreement

Amount	Amount Recorded

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	$2,706.00 (+17.24%) Homeowner's exemption	$215,900 (+8%) Land $40,000 Building $175,900	$215,900 (+8%) Land $40,000 Building $175,900
2025	$2,308.00 (+0.96%) Homeowner's exemption	$199,900 (+3.68%) Land $40,000 Building $159,900	$199,900 (+3.68%) Land $40,000 Building $159,900
2023	$2,286.00	$192,800 Land $40,000 Building $152,800	$192,800 Land $40,000 Building $152,800

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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 95% of the US · lower than 84% of Minnesota
Wildfire Likelihood	Under 0.01% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks, Xtratyme Technologies.

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