653 47th Ave NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 653 47th Ave NE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.241 acres (10,513 sqft)
Owner	Individual Name on File
Last Sale	$344,900 (Oct 2025)
Tax Bill	$158 (2026)
Deeds & Mortgages	Oct 2025 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`17.02267.00`

Property Details

APN / Parcel Number

Primary APN	`17.02267.00`

Exterior

Architectural Style	Multi-Family
Lot Area	10,513 sqft (0.241 acres)

Location & Zoning

Street Address	653 47TH AVE NE
City	SAINT CLOUD
State	MN
Zip	56304-4663
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	SECT-33 TWP-036 RANGE-030 WATERS EDGE AT DON LK 4TH ADDN LOT-002 BLOCK-013
Legal Range	030
Legal Township	036
Legal Section	33
Legal Subdivision	WATERS EDGE AT DON LK 4TH ADDN
Legal Block	13
Legal Lot Number	2
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2065
Census Tract	20300

Owner

653 47th Ave NE, a residential property, is owned and occupied by an individual who bought it in October 2025.

Source: Benton County records, as of August 21, 2026

Owner of Record	Individual Name on File
Mailing Address	653 47TH AVE NE, SAINT CLOUD, MN 56304-4663
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

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

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 22, 2025 · Amount on File
Deed Sale	Oct 22, 2025 · Amount on File
Prior Sale	Apr 15, 2025 · Amount on File
Deed Document Number	2025480036
Record Updated	Oct 29, 2026

October 2025: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	BENTON MN
Recording Date	Oct 22, 2025
Property Address	653 47TH AVE NE, SAINT CLOUD, MN 56304-4663
Document Number	0000480036
Instrument Date	Oct 10, 2025
Instrument	480036
Transaction Type	Subdivision Related Transfer
Record Updated	Apr 3, 2026
Title Company	LAND TITLE CORPORATION, LAND TITLE INC

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,138.17
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	653 47TH AVE NE, SAINT CLOUD, MN 56304-4663

Mortgage

Document Number	0000480037
Date	Oct 22, 2025
Instrument	480037

Lender

Name	HERITAGE BANK NA
Type	Bank

Agreement

Type	FHA Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Mortgage

Document Number	0000480038
Date	Oct 22, 2025
Instrument	480038

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	SPICER, MN 56288

Agreement

Type	Stand-Alone First Mortgage
Amount	Amount on Record
Term	361 Months
Due	Nov 1, 2055

Tax Assessment & Valuation

The 2026 property tax bill for 653 47th Ave NE was $158, down 58.9% 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	Sauk Rapids-Rice Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$158.00 (-58.85%)	$318,000 (+2,02%) Land $60,000 Building $258,000	$318,000 (+2,02%) Land $60,000 Building $258,000
2025	$384.00	$15,000 Land $15,000	$15,000 Land $15,000
2023	$276.00	$15,000 Land $15,000	$15,000 Land $15,000

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Flood

FEMA maps place 653 47th Ave NE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective July 29, 2019 · 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	1 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.

Wildfire

Wildfire risk around 653 47th Ave NE is low, with a 0.02% 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	0.02% 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 49 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
CenturyLink DSL	140 / 20

May also be available: T-Mobile.

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