6768 23rd St N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 6768 23rd St N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,404 sqft · built 2009
Lot Size	0.16 acres (6,970 sqft)
Owner	Individual Name on Record
Last Sale	$300,000 (Jul 2024)
Tax Bill	$3,670 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit
Flood Zone	Zone X (minimal risk)
APN	`82-52401-0597`

Property Details

APN / Parcel Number

Primary APN	`82-52401-0597`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,404 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2009
Effective Year Built	Effective 2009
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	6,970 sqft (0.16 acres)
Lot Width	70 ft Width
Garage Area	732 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	6768 23RD ST N
City	SAINT CLOUD
State	MN
Zip	56303-4787
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	PUD72
Legal Description	LOT 003 BLK 006 WEST PRAIRIE POINT SECTION 31 TOWNSHIP 125 RANGE 028 SECTION 31 TOWNSHIP 125 RANGE 028
Legal Range	28W
Legal Township	125
Legal Section	31
Legal Subdivision	WEST PRAIRIE POINT
Legal Block	6
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	1002

Owner

Source: Stearns County records, as of July 30, 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	6768 23RD ST N, SAINT CLOUD, MN 56303-4787
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 1, 2024 · Amount on Record
Deed Sale	Jul 1, 2024 · Amount on Record
Deed Document Number	20241666547
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 27, 2026
Property Address	6768 23RD ST N, SAINT CLOUD, MN 56303-4787
Document Number	0001712080
Instrument Date	Apr 14, 2026
Instrument	20261712080
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Additional	Multiple Parcels

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001712080,
Date	Apr 27, 2026
Instrument	20261712080

Lender

Name	STATE BANK

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Apr 18, 2036

Interest

Rate Type	Adjustable Rate
Rate	6.22%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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
2026	$3,670.00 (+15.92%)	$281,500 (+5.16%) Land $70,000 Building $211,500	$281,500 (+5.16%) Land $70,000 Building $211,500
2025		$267,700 (+3.64%) Land $70,000 Building $197,700	$267,700 (+3.64%) Land $70,000 Building $197,700
2023	$3,166.00	$258,300 Land $50,000 Building $208,300	$258,300 Land $50,000 Building $208,300

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 September 29, 2024

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 99.1% of the US · lower than 96% of Minnesota
Wildfire Likelihood	Under 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 198 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000

May also be available: Verizon.

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