Sherburne County property record for 6786 46th Ave SE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 3 ba · 1,472 sqft · built 1976 |
| Lot Size | 0.58 acres (25,265 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $352,500 (Mar 2019) |
| Tax Bill | $3,714 (2025) |
| Deeds & Mortgages | Apr 2022 Line of Credit Apr 2020 Mortgage + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 20-412-0225 |
| Primary APN | 20-412-0225 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 3 Baths |
| Building Area | 1,472 sqft Living Area |
| 1st Floor Area | 1,452 sqft |
| Basement Area | 1,220 sqft |
| Finished Basement | 1,220 sqft |
| Breakfast Nook | Breakfast Nook |
| Family Room | Family Room |
| Utility Room | Utility Room |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1976 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Wood |
| Construction Type | Frame |
| Roof Type | Gable |
| Roof Material | Composition Shingle |
| Lot Area | 25,265 sqft (0.58 acres) |
| Garage Type | Attached |
| Garage Area | 534 sqft |
| Driveway | Driveway |
| Deck Area | 204 sqft |
| Wet Bar | Wet Bar |
| Cooling System | HVAC |
|---|---|
| Heating System | Forced Air with A/C |
| Heating Fuel | Electric |
| Street Address | 6786 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 16, BLK 2 |
| Legal Range | 30W |
| Legal Township | 34N |
| Legal Section | 04 |
| Legal Subdivision | SHERWOOD SHORES |
| Legal Block | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | SHERBURNE MN |
| Township / Civil Division | CLEAR LAKE |
| Census Block Group | 1 |
| Census Block | 1033 |
| Census Tract | 30302 |
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 | 6786 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Apr 15, 2022 | Deed of Trust, Mortgage · Line of Credit GREAT RIVER FCU |
| Apr 28, 2020 | Deed of Trust, Mortgage · Conventional Mortgage PROSPERITY HOME MORTGAGE |
| Mar 12, 2019 | Warranty Deed, Transfer · Conventional Mortgage HOMESERVICES LENDING LLC |
| Mar 14, 2018 | Deed of Trust, Mortgage · Line of Credit BANKVISTA |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 12, 2019 · Amount on Record |
| Deed Sale | Mar 12, 2019 · Amount on Record |
| Prior Sale | Aug 22, 2005 · Amount on Record |
| Deed Document Number | 2019869287 |
| Record Updated | Jun 8, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 6786 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Transaction Type | Mortgage |
| Record Updated | Apr 29, 2022 |
| Name | Verified Name |
|---|
| Document Number | 0000940964 |
|---|---|
| Date | Apr 15, 2022 |
| Instrument | 940964 |
| Name | GREAT RIVER FCU |
|---|---|
| Type | Credit Union |
| Address | SAINT CLOUD, MN 56301 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 14, 2052 |
| Rate Type | Adjustable Rate |
|---|---|
| Change Frequency | Monthly |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 6786 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Transaction Type | Mortgage |
| Record Updated | Feb 5, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000890450 |
|---|---|
| Date | Apr 28, 2020 |
| Instrument | 890450 |
| Name | PROSPERITY HOME MORTGAGE |
|---|---|
| Type | Mortgage Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | May 1, 2050 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Recording Date | Mar 12, 2019 |
| Property Address | 6786 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000869287 |
| Instrument Date | Feb 28, 2019 |
| Instrument | 869287 |
| Transaction Type | Transfer |
| Record Updated | Aug 16, 2021 |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,163.25 |
| Amount Accuracy | Calculated from Transfer Tax |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 6786 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000869288 |
|---|---|
| Date | Mar 12, 2019 |
| Instrument | 869288 |
| Name | HOMESERVICES LENDING LLC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Apr 1, 2049 |
| Rate Type | Fixed Rate |
|---|
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | SHERBURNE MN |
| Property Address | 6786 46TH AVE SE, SAINT CLOUD, MN 56304-9553 |
| Document Number | 0000853573 |
| Instrument Date | Mar 14, 2018 |
| Transaction Type | Mortgage |
| Record Updated | May 9, 2018 |
| Name | Verified Name |
|---|---|
| Relationship | Husband and Wife |
| Address | 6786 46TH AVE SE ST CLOUD MN 563049553, ST CLOUD, MN 56304-9553 |
| Document Number | 0000853573 |
|---|---|
| Date | Mar 21, 2018 |
| Instrument | 853573 |
| Name | BANKVISTA |
|---|---|
| Type | Bank |
| Address | SARTELL, MN 56377 |
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Mar 20, 2023 |
| Rate Type | Adjustable Rate |
|---|
Source: Sherburne County assessment roll, as of July 29, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| County | Sherburne County |
| County Subdivision | Clear Lake Township |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $3,714.00 (-2.42%) | $461,300 (+0.54%) Land $155,000 Building $306,300 | $461,300 (+0.54%) Land $155,000 Building $306,300 |
| 2023 | $3,806.00 | $458,800 Land $151,700 Building $307,100 | |
| 2021 | $458,800 Land $151,700 Building $307,100 |
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 80% 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.
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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