630 5th Ave SE, Saint Cloud, MN 56304 Property Records

Benton County property record for 630 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.365 acres (15,918 sqft)
Owner	Individual Name on Record
Last Sale	$174,900 (Nov 2019)
Tax Bill	$2,642 (2026)
Deeds & Mortgages	Dec 2023 Mortgage Dec 2023 Construction Loan + 1 more
Flood Zone	Zone X (minimal risk)
APN	`17.00457.00`

Property Details

APN / Parcel Number

Primary APN	`17.00457.00`

Exterior

Lot Area	15,918 sqft (0.365 acres)

Location & Zoning

Street Address	630 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1012
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-36 TWP-036 RANGE-031 A A WRIGHT'S ADDN LOT-007 BLOCK-00A NLY 52.9 FT OF SLY 105.8 FT
Legal Range	031
Legal Township	036
Legal Section	36
Legal Subdivision	A A WRIGHT'S ADDN
Legal Block	A
Legal Lot Number	7
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	5
Census Block	5053
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	Individual Name on Record
Mailing Address	630 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 4, 2023	Deed of Trust, Mortgage HOUSING AND REDEVELOPMENT AUTHORITY
Dec 4, 2023	Deed of Trust, Mortgage · Construction Mortgage HOUSING AND REDEVELOPMENT AUTHORITY
Nov 12, 2019	Warranty Deed, Transfer · Conventional Mortgage AMERICAN MORTGAGE & EQUITY CONSULTA

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 12, 2019 · Amount on Record
Deed Sale	Nov 12, 2019 · Amount on Record
Prior Sale	Jul 13, 2006 · Amount on Record
Deed Document Number	2019439487
Record Updated	Oct 29, 2026

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	630 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000469397
Date	Dec 4, 2023
Instrument	469397

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY
Type	Government Agency
Address	SAINT CLOUD, MN 56301

Agreement

Amount	Amount Recorded

December 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	630 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Transaction Type	Mortgage
Record Updated	Dec 22, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000469399
Date	Dec 4, 2023
Instrument	469399

Lender

Name	HOUSING AND REDEVELOPMENT AUTHORITY
Type	Government Agency

Agreement

Type	Construction Mortgage
Amount	Amount Recorded

November 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Nov 12, 2019
Property Address	630 5TH AVE SE, SAINT CLOUD, MN 56304-1012
Document Number	0000439487
Instrument Date	Sep 24, 2019
Instrument	439487
Transaction Type	Transfer
Record Updated	Sep 19, 2022
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$577.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 5TH AVE SE, SAINT CLOUD, MN 56304-1012

Mortgage

Document Number	0000439488
Date	Nov 12, 2019
Instrument	439488

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTA
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	359 Months
Due	Oct 1, 2049

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	$2,642.00 (+13.88%) Homeowner's exemption	$212,600 (+8.47%) Land $30,000 Building $182,600	$212,600 (+8.47%) Land $30,000 Building $182,600
2023	$2,320.00	$196,000 Land $30,000 Building $166,000	$196,000 Land $30,000 Building $166,000

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
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 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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