Benton County property record for 656 E Saint Germain St, Saint Cloud, MN 56304 · Last verified August 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Lot Size | 7,919 sqft (0.181 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $224,900 (2026) |
| Tax Bill | $2,078.00 (2026) |
| Primary APN | 17.00201.00 |
|---|
| Lot Area | 7,919 sqft (0.181 acres) |
|---|
| Street Address | 656 E SAINT GERMAIN ST |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-0837 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | SECT-36 TWP-036 RANGE-031 EAST ST CLOUD LOT-004 BLOCK-009 & LOTS 5 & 6 |
| Legal Range | 031 |
| Legal Township | 036 |
| Legal Section | 36 |
| Legal Subdivision | EAST ST CLOUD |
| Legal Block | 9 |
| Legal Lot Number | 4-6 |
| Jurisdiction | BENTON MN |
| Minor Civil Division | ST. CLOUD |
| Census Blockgroup | 5 |
| Census Block | 5024 |
| Census Tract | 21201 |
Source: Benton County records · APN 17.00201.00
Assessment roll updated July 16, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 656 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0837 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Date | Document |
|---|---|
| Aug 05, 2026 | Warranty Deed, Transfer · Conventional Mortgage EVERETT FINANCIAL INC |
| May 29, 2019 | Warranty Deed, Transfer · Federal Housing Administration (FHA) Mortgage LIBERTY BANK MINNESOTA |
| Dec 11, 2018 | Warranty Deed, Construction Loan · Building or Construction Mortgage LENDINGHOME FUNDING CORP |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 05, 2026 · Amount on Record |
| Deed Sale | Aug 05, 2026 · Amount on Record |
| Prior Sale | May 29, 2019 |
| Deed Doc Number | 2026484930 |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Aug 05, 2026 |
| Property Address | 656 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0837 |
| Document Number | 0000484930 |
| Instrument Date | Jul 29, 2026 |
| Instrument | 2026484930 |
| Transaction Type | Transfer |
| Record Updated | Aug 20, 2026 |
| Title Company | STEARNS COUNTY ABSTRACT AND TITLE COMPANY, STEARNS COUNTY ABSTRACT & TITL |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $74,959.17 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 656 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0837 |
| Document Number | 0000484932, |
|---|---|
| Date | Aug 05, 2026 |
| Instrument | 2026484932 |
| Name | EVERETT FINANCIAL INC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.49% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | May 29, 2019 |
| Property Address | 656 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0837 |
| Document Number | 0000435991 |
| Instrument Date | May 20, 2019 |
| Instrument | 435991 |
| Transaction Type | Transfer |
| Record Updated | Aug 15, 2022 |
| Title Company | WEST TITLE LLC |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Zero or No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 656 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0837 |
| Document Number | 0000435992 |
|---|---|
| Date | May 29, 2019 |
| Instrument | 435992 |
| Name | LIBERTY BANK MINNESOTA |
|---|---|
| Type | Bank |
| Type | Federal Housing Administration (FHA) Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Jun 01, 2049 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Dec 11, 2018 |
| Property Address | 656 E SAINT GERMAIN ST, SAINT CLOUD, MN 56304-0837 |
| Document Number | 0000433180 |
| Instrument Date | Dec 10, 2018 |
| Instrument | 433180 |
| Transaction Type | Construction Loan |
| Record Updated | Aug 15, 2022 |
| Title Company | WEST TITLE LLC |
| Amount | Amount Recorded |
|---|---|
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $207.90 |
| Amount Accuracy | Rounded Values by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 13570 GROVE DR # 378, 378, MAPLE GROVE, MN 55311-4400 |
| Document Number | 0000433181 |
|---|---|
| Date | Dec 11, 2018 |
| Instrument | 433181 |
| Name | LENDINGHOME FUNDING CORP |
|---|---|
| Type | Funding / Finance Company |
| Type | Building or Construction Mortgage |
|---|---|
| Amount | Amount Recorded |
Source: Benton County records · Assessment roll updated July 16, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,078.00 (+12.08%) Homeowner's exemption | $176,300 (+8.49%) Land $25,000 Building $151,300 | $176,300 (+8.49%) Land $25,000 Building $151,300 |
| 2025 | $1,854.00 (+6.43%) Homeowner's exemption | $162,500 (-) Land $25,000 Building $137,500 | $162,500 (-) Land $25,000 Building $137,500 |
| 2023 | $1,742.00 | $162,500 Land $25,000 Building $137,500 | $162,500 Land $25,000 Building $137,500 |
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