650 5th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 650 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.164 acres (7,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$210,000 (Jun 2024)
Tax Bill	$2,378 (2025)
Deeds & Mortgages	May 2021 Mortgage Aug 2021 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-2140`

Property Details

APN / Parcel Number

Primary APN	`85-401-2140`
Alternative APNs	`85-00401-2140` `42130`

Exterior

Lot Area	7,151 sqft (0.164 acres)

Location & Zoning

Street Address	650 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1400
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 4, BLK 21
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	21
Legal Lot Number	4
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	2 Individual Names on Record
Mailing Address	650 5TH AVE SE, SAINT CLOUD, MN 56304-1400
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
May 21, 2021	Deed of Trust, Mortgage · Conventional Mortgage TRUSTONE FINANCIAL FCU
Aug 2, 2021	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 27, 2024 · Amount on Record
Deed Sale	Jun 27, 2024 · Amount on Record
Prior Sale	Aug 2, 2021 · Amount on Record
Deed Document Number	2024971096
Record Updated	Jun 8, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	650 5TH AVE SE, SAINT CLOUD, MN 56304-1400
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000919797
Date	May 21, 2021
Instrument	919797

Lender

Name	TRUSTONE FINANCIAL FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 20, 2031

Interest

Rate Type	Fixed Rate

August 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 2, 2021
Property Address	650 5TH AVE SE, SAINT CLOUD, MN 56304-1400
Document Number	0000924540
Instrument Date	Jun 25, 2021
Instrument	924540
Transaction Type	Transfer
Record Updated	Oct 10, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	650 5TH AVE SE, SAINT CLOUD, MN 56304-1400

Mortgage

Document Number	0000924541
Date	Aug 2, 2021
Instrument	924541

Lender

Name	GUARANTEED RATE INC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

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	$2,378.00 (+25.03%)	$162,200 (-) Land $40,000 Building $122,200	$162,200 (-) Land $40,000 Building $122,200
2023	$1,902.00	$162,200 Land $30,000 Building $132,200
2021			$162,200 Land $30,000 Building $132,200

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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