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

Benton County property record for 636 Riverside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.358 acres (15,632 sqft)
Owner	2 Individual Names on File
Last Sale	$194,900 (Sep 2018)
Tax Bill	$3,860 (2026)
Deeds & Mortgages	Oct 2026 Mortgage Oct 2023 Second Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00690.00`

Property Details

APN / Parcel Number

Primary APN	`17.00690.00`

Exterior

Lot Area	15,632 sqft (0.358 acres)

Location & Zoning

Street Address	636 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-001 BLOCK-002 & LOT 2
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	2
Legal Lot Number	1-2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4010
Census Tract	21201

Owner

636 Riverside Dr NE is owned and occupied by two individuals who bought it in September 2018.

Source: Benton County records, as of October 19, 2026

Owner of Record	2 Individual Names on File
Mailing Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Occupancy	Owner Occupied
Owner Type	Individual

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
Oct 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage AFFINITY PLUS FEDERAL CREDIT UNION
Oct 25, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage AFFINITY PLUS FCU
Apr 23, 2021	Deed of Trust, Mortgage · FHA Mortgage DMI MORTGAGE SERVICING
Sep 7, 2018	Warranty Deed, Transfer · FHA Mortgage CARDINAL FINANCIAL COMPANY LP

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 7, 2018 · Amount on File
Deed Sale	Sep 7, 2018 · Amount on File
Deed Document Number	2018431549
Prior Transfer Date	May 7, 2013
Prior Transfer Doc	396617
Record Updated	Oct 29, 2026

October 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Recording Date	Oct 5, 2026
Property Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Document Number	0000486003
Instrument Date	Sep 25, 2026
Instrument	2026486003
Transaction Type	Mortgage
Record Updated	Oct 19, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135

Mortgage

Document Number	0000486003,
Date	Oct 5, 2026
Instrument	2026486003

Lender

Name	AFFINITY PLUS FEDERAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	180 Months
Due	Oct 5, 2041

Interest

Rate Type	Fixed Rate
Initial Type	Fixed Rate
Max Rate	-1%

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Transaction Type	Mortgage
Record Updated	Nov 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000468893
Date	Oct 25, 2023
Instrument	468893

Lender

Name	AFFINITY PLUS FCU
Type	Credit Union
Address	SAINT PAUL, MN 55107

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	Sep 28, 2038

April 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Transaction Type	Mortgage
Record Updated	May 18, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135

Mortgage

Document Number	451692
Date	Apr 23, 2021
Instrument	451692

Lender

Name	DMI MORTGAGE SERVICING
Address	DALLAS, TX 75201

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	329 Months
Due	Sep 1, 2048

September 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Sep 7, 2018
Property Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135
Document Number	431549
Instrument Date	Aug 30, 2018
Instrument	431549
Transaction Type	Transfer
Record Updated	Aug 9, 2021
Title Company	QUDARY TITLE, QUARRY TITLE

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$643.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	636 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0135

Mortgage

Document Number	431550
Date	Sep 7, 2018
Instrument	431550

Lender

Name	CARDINAL FINANCIAL COMPANY LP
Type	Mortgage Company

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 1, 2048

Tax Assessment & Valuation

The 2026 property tax bill for 636 Riverside Dr NE was $3,860, up 12.4% from the year before.

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	$3,860.00 (+12.41%)	$247,700 (-) Land $45,000 Building $202,700	$247,700 (-) Land $45,000 Building $202,700
2025	$3,434.00	$247,700 Land $45,000 Building $202,700	$247,700 Land $45,000 Building $202,700
2023	$3,088.00	$247,700 Land $45,000 Building $202,700	$247,700 Land $45,000 Building $202,700

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

Flood

FEMA maps place 636 Riverside Dr NE in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.

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

Wildfire risk around 636 Riverside Dr NE is low, with less than a 0.01% annual chance of 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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