Sherburne County property record for 6541 46th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 4 ba · 1,357 sqft · built 1973 |
| Lot Size | 2.4 acres (104,544 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $271,000 (Mar 2020) |
| Tax Bill | $3,972 (2025) |
| Deeds & Mortgages | Apr 2023 Line of Credit Jun 2021 Construction Loan + 4 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 25-411-0110 |
| Primary APN | 25-411-0110 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 4 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,357 sqft Living Area |
| 1st Floor Area | 1,357 sqft |
| Basement Area | 1,200 sqft |
| Finished Basement | 1,200 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1973 |
|---|---|
| Effective Year Built | Effective 1973 |
| Exterior Material | Wood |
| Construction Type | Wood |
| Roof Type | Mansard |
| Roof Material | Wood Shingle |
| Lot Area | 104,544 sqft (2.4 acres) |
| Garage Type | Attached |
| Garage Area | 564 sqft |
| Driveway | Driveway |
| Deck Area | 295 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Gas |
| Account Number | 17356 |
|---|---|
| Street Address | 6541 46TH AVE SE |
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-9553 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A |
| Legal Description | LOT 1, BLK 1 |
| Legal Range | 30W |
| Legal Township | 35N |
| Legal Section | 34 |
| Legal Subdivision | SHERWOOD SHORES FIFTH ADDITION |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | HAVEN |
| Census Block Group | 1 |
| Census Block | 1069 |
| Census Tract | 30302 |
Source: Sherburne County records, as of September 15, 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 | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 12, 2023 | Deed of Trust, Mortgage · Line of Credit US BANK NA |
| Jun 15, 2021 | Deed of Trust, Mortgage · Construction Mortgage BELL BANK |
| Apr 30, 2021 | Deed of Trust, Mortgage · Conventional Mortgage BELL BANK |
| Mar 20, 2020 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Dec 27, 2017 | Intrafamily Transfer, Transfer · Conventional Mortgage CAMBRIA FINANCIAL GROUP LLC |
| Jun 13, 2017 | Grant Deed, Transfer CAMBRIA TITLE |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Mar 20, 2020 · Amount on Record |
| Deed Sale | Mar 20, 2020 · Amount on Record |
| Prior Sale | Jun 21, 2016 |
| Deed Document Number | 2020888513 |
| Prior Transfer Date | Jun 7, 2016 |
| Prior Transfer Doc | 0000822048 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Transaction Type | Mortgage |
| Record Updated | Apr 19, 2023 |
| Title Company | RADIAN SETTLEMENT SERVICES INC, RADIAN SETTLEMENT SVCS INC |
| Name | Verified Name |
|---|---|
| Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000955567 |
|---|---|
| Date | Apr 12, 2023 |
| Instrument | 955567 |
| Name | US BANK NA |
|---|---|
| Type | Bank |
| Address | CINCINNATI, OH 45202 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 119 Months |
| Due | Mar 21, 2033 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Transaction Type | Mortgage |
| Record Updated | Jul 7, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000921314 |
|---|---|
| Date | Jun 15, 2021 |
| Instrument | 921314 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Transaction Type | Mortgage |
| Record Updated | May 19, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000918109 |
|---|---|
| Date | Apr 30, 2021 |
| Instrument | 918109 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 240 Months |
| Due | May 1, 2041 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 20, 2020 |
| Property Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000888513 |
| Instrument Date | Mar 18, 2020 |
| Instrument | 888513 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Title Company | ALL AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $894.30 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 7964 TRAPPERS RIDGE DR, CLEAR LAKE, MN 55319-4567 |
| Document Number | 0000888514 |
|---|---|
| Date | Mar 20, 2020 |
| Instrument | 888514 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Intrafamily Transfer |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Dec 27, 2017 |
| Property Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000850064 |
| Instrument Date | Dec 21, 2017 |
| Instrument | 850064 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000850065 |
|---|---|
| Date | Dec 27, 2017 |
| Instrument | 850065 |
| Name | CAMBRIA FINANCIAL GROUP LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jan 1, 2048 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Grant Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Jun 13, 2017 |
| Property Address | 6541 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000840006 |
| Instrument Date | Jun 2, 2017 |
| Instrument | 840006 |
| Transaction Type | Transfer |
| Record Updated | Jun 30, 2017 |
| Title Company | CAMBRIA TITLE |
| Tax | $0.00 |
|---|---|
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 6541 46TH AVE SE ST CLOUD MN 563049553, ST CLOUD, MN 56304-9553 |
Source: Sherburne County assessment roll, as of September 15, 2026
| 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 |
|---|---|---|---|
| 2026 | $483,600 (+0.96%) Land $128,600 Building $355,000 | $483,600 (+0.96%) Land $128,600 Building $355,000 | |
| 2025 | $3,972.00 (+24.51%) | $479,000 (+18.48%) Land $126,600 Building $352,400 | $479,000 (+18.48%) Land $126,600 Building $352,400 |
| 2023 | $3,190.00 | $404,300 Land $108,800 Building $295,500 | |
| 2021 | $404,300 Land $108,800 Building $295,500 |
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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