Sherburne County property record for 6485 46th Ave SE, Saint Cloud, MN 56304
| Property Type | Seasonal / Vacation Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,694 sqft · built 1973 |
| Lot Size | 0.87 acres (37,897 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $525,000 (Dec 2025) |
| Tax Bill | $3,518 (2025) |
| Deeds & Mortgages | Dec 2025 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-407-0215 |
| Primary APN | 25-407-0215 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 4 Stories |
| Building Area | 1,694 sqft Living Area |
| 1st Floor Area | 1,694 sqft |
| Basement Area | 1,146 sqft |
| Finished Basement | 1,146 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Ceramic Tile |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Architectural Style | Split Level |
| Exterior Material | Stucco |
| Construction Type | Wood |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 37,897 sqft (0.87 acres) |
| Driveway | Driveway |
| Porch | Open Porch |
|---|---|
| Porch Area | 48 sqft |
| Deck Area | 194 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating Fuel | Electric |
| Street Address | 6485 46TH AVE SE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-8522 |
| Property Category | Residential |
| Property Type | Residential > Specialized > Seasonal / Vacation Home |
| Local Zoning Code | A |
| Legal Description | LOT 3, BLK 2 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 34 |
| Legal Subdivision | SHERWOOD SHORES |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1011 |
| Census Tract | 30302 |
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 | 6485 46TH AVE SE, SAINT CLOUD, MN 56304-8522 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Dec 11, 2025 · Amount on Record |
| Deed Sale | Dec 11, 2025 · Amount on Record |
| Prior Sale | May 28, 2024 · Amount on Record |
| Deed Document Number | 2025991701 |
| Record Updated | Jun 8, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Dec 11, 2025 |
| Property Address | 6485 46TH AVE SE, SAINT CLOUD, MN 56304-8522 |
| Document Number | 0000991701 |
| Instrument Date | Dec 5, 2025 |
| Instrument | 991701 |
| Transaction Type | Transfer |
| Record Updated | Dec 31, 2025 |
| Title Company | TITLE SMART INC, TITLESMART INC |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,732.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6485 46TH AVE SE, SAINT CLOUD, MN 56304-8522 |
| Document Number | 0000991702 |
|---|---|
| Date | Dec 11, 2025 |
| Instrument | 991702 |
| Name | GUARANTEED RATE AFFINITY LLC |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jan 1, 2056 |
Source: Sherburne County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Haven Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,518.00 (-9.61%) | $428,700 (-8.3%) Land $159,700 Building $269,000 | $428,700 (-8.3%) Land $159,700 Building $269,000 |
| 2023 | $3,892.00 | $467,500 Land $240,200 Building $227,300 | |
| 2021 | $467,500 Land $240,200 Building $227,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 82% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| T-Mobile Fixed Wireless | 100 / 20 |
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