644 5th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 644 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.217 acres (9,455 sqft)
Owner	Individual Name on Record
Last Sale	$186,000 (Nov 2025)
Tax Bill	$2,862 (2025)
Deeds & Mortgages	Nov 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-2130`

Property Details

APN / Parcel Number

Primary APN	`85-401-2130`
Alternative APNs	`85-00401-2130` `42129`

Exterior

Lot Area	9,455 sqft (0.217 acres)

Location & Zoning

Street Address	644 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 21
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	21
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2004
Census Tract	31500

Owner

Source: Sherburne County records, as of April 21, 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	644 5TH AVE SE, SAINT CLOUD, MN 56304-1400
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 19, 2025 · Amount on Record
Deed Sale	Nov 19, 2025 · Amount on Record
Prior Sale	Apr 2, 2004 · Amount on Record
Deed Document Number	2025990754
Record Updated	Jun 8, 2026

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Nov 19, 2025
Property Address	644 5TH AVE SE, SAINT CLOUD, MN 56304-1400
Document Number	0000990754
Instrument Date	Nov 4, 2025
Instrument	990754
Transaction Type	Transfer
Record Updated	Dec 5, 2025
Title Company	CONCIERGE TITLE INC

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$613.80
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	644 5TH AVE SE, SAINT CLOUD, MN 56304-1400

Mortgage

Document Number	0000990755
Date	Nov 19, 2025
Instrument	990755

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Mortgage

Document Number	0000990756
Date	Nov 19, 2025
Instrument	990756

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORP
Type	Mortgage Company
Address	MADISON, WI 53718

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Dec 1, 2055

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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
2025	$2,862.00 (+8.33%)	$158,400 (-) Land $40,000 Building $118,400	$158,400 (-) Land $40,000 Building $118,400
2023	$2,642.00	$158,400 Land $30,000 Building $128,400
2021			$158,400 Land $30,000 Building $128,400

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 November 16, 2011

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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