629 5th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 629 5th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Triplex
Details	3 ba · 2,417 sqft · built 1950
Lot Size	0.15 acres (6,534 sqft)
Owner	Individual Name on Record
Last Sale	$320,000 (Aug 2026)
Tax Bill	$4,266 (2026)
Deeds & Mortgages	Aug 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-48229-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48229-0000`

Interior

Full Baths	3 Baths
Units	3 Units
Stories	3 Stories
Building Area	2,417 sqft Living Area
1st Floor Area	959 sqft
Interior Walls	Plaster

Exterior

Year Built	Built 1950
Effective Year Built	Effective 1950
Architectural Style	Triplex
Exterior Material	Brick
Lot Area	6,534 sqft (0.15 acres)

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	629 5TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-4825
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Local Zoning Code	R5
Legal Description	SECTION 11 TOWNSHIP 124 RANGE 028 N12 OF LOT 10 & S38 OF VAC 7 ST BLK 103 SUBDIVISIONNAME LOWRYS ADD LOT 010 BLOCK 103 SUBDIVISIONCD 82117
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	LOWRYS ADD
Legal Block	103
Legal Lot Number	10
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4004
Census Tract	801

Owner

Source: Stearns County records, as of September 11, 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	629 5TH AVE N, 3, SAINT CLOUD, MN 56303-3579
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 24, 2026 · Amount on Record
Deed Sale	Aug 24, 2026 · Amount on Record
Deed Document Number	20261719596
Record Updated	Oct 29, 2026

August 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 24, 2026
Property Address	629 5TH AVE N, SAINT CLOUD, MN 56303-4825
Document Number	0001719596
Instrument Date	Aug 19, 2026
Instrument	20261719596
Transaction Type	Transfer
Record Updated	Sep 11, 2026
Title Company	CLOSING AND TITLE SERVICES, KEY TITLE & CLOSING SERVICES

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$106,656.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001719596,
Date	Aug 24, 2026
Instrument	20261719596

Lender

Name	UNITED WHOLESALE MORTGAGE

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2056

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

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	$4,266.00 (+26.14%)	$232,700 (-) Land $35,000 Building $197,700	$232,700 (-) Land $35,000 Building $197,700
2025		$232,700 (+12.47%) Land $35,000 Building $197,700	$232,700 (+12.47%) Land $35,000 Building $197,700
2023	$3,382.00	$206,900 Land $35,000 Building $171,900	$206,900 Land $35,000 Building $171,900

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 September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (1979–1997)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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

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)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: Intrepid Fiber Networks.

Nearby Properties on 5th Ave N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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