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6992 43rd Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 6992 43rd Ave SE, Saint Cloud, MN 56304

Property Summary

Property TypeSingle Family Home
Details2 bd · 2 ba · 1,648 sqft · built 1977
Lot Size1.45 acres (63,162 sqft)
OwnerCompany Name on Record
Last Sale$169,900 (Aug 2000)
Tax Bill$3,140 (2025)
Deeds & MortgagesOct 2020 Mortgage
Jul 2020 Sale
+ 1 more
Flood ZoneZone X (minimal risk)
APN20-418-0115

Property Details

APN / Parcel Number

Primary APN20-418-0115
Alternative APNs
  • 20-00418-0115
  • 15381

Interior

Bedrooms2 Beds
Full Baths2 Baths
Building Area1,648 sqft Living Area
1st Floor Area1,128 sqft
Basement Area1,044 sqft
Finished Basement1,044 sqft
Breakfast NookBreakfast Nook
Family RoomFamily Room
Utility RoomUtility Room
FlooringCarpet
Interior WallsWallboard/Drywall
Fireplaces1 Fireplace
FireplaceFireplace

Exterior

Year BuiltBuilt 1977
Effective Year BuiltEffective 1977
Architectural StyleSplit Foyer
Exterior MaterialWood
Construction TypeFrame
Roof TypeGable
Roof MaterialComposition Shingle
Lot Area63,162 sqft (1.45 acres)
Garage TypeMixed
Garage Area1,344 sqft
DrivewayDriveway

Exterior Amenities

PorchPorch
Porch Area520 sqft
Deck Area110 sqft
Wet BarWet Bar

Utilities, Heating & Cooling

Cooling SystemHVAC
Heating SystemHeat Pump
Heating FuelGas

Location & Zoning

Account Number15381
Street Address6992 43RD AVE SE
CitySAINT CLOUD
StateMN
Zip56304-8529
Property CategoryResidential
Property TypeResidential > Single Family > Home
Local Zoning CodeA
Legal DescriptionLOT 3, BLK 1
Legal Range30W
Legal Township34N
Legal Section04
Legal SubdivisionSHERWOOD SHORES SIXTH ADDITION
Legal Block1
Legal Lot Number3
JurisdictionSHERBURNE MN
Township / Civil DivisionCLEAR LAKE
Census Block Group1
Census Block1071
Census Tract30302

Owner

Source: Sherburne County records, as of October 21, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of RecordCompany Name on Record
Mailing Address6992 43RD AVE SE, SAINT CLOUD, MN 56304-8529
OccupancyOwner Occupied
Owner TypeCompany
VestingTrust, Revocable Trust

Deeds, Mortgages & Sale History

DateDocument
Oct 19, 2020Deed of Trust, Mortgage · Conventional Mortgage
LIBERTY BANK
Jul 16, 2020Quit Claim Deed, Transfer
ATTORNEY ONLY
Mar 12, 2018Loan Modification, Mortgage
LIBERTY BK MN

Assessor's Deed Record

Deed NamesName on Deed
Last SaleAug 14, 2000 · Amount on Record
Deed SaleAug 14, 2000 · Amount on Record
Prior SaleOct 18, 1999 · Amount on Record
Deed Document Number200051446
Record UpdatedOct 29, 2026

October 2020: Deed of Trust, Mortgage

Document TypeDeed of Trust
JurisdictionSHERBURNE MN
Property Address6992 43RD AVE SE, SAINT CLOUD, MN 56304-8529
Transaction TypeMortgage
Record UpdatedOct 25, 2022
Title CompanyQUARRY TITLE

Transferred To (Grantee/Buyer)

NameVerified Name

Mortgage

Document Number0000903058
DateOct 19, 2020
Instrument903058
Lender
NameLIBERTY BANK
TypeBank
Agreement
TypeConventional Mortgage
AmountAmount Recorded
Term360 Months
DueNov 1, 2050
Interest
Rate TypeFixed Rate

July 2020: Quit Claim Deed, Transfer

Document TypeQuit Claim Deed
JurisdictionSHERBURNE MN
Recording DateJul 16, 2020
Property Address6992 43RD AVE SE, SAINT CLOUD, MN 56304-8529
Document Number0000895991
Instrument DateApr 13, 2020
Instrument895991
Transaction TypeTransfer
Record UpdatedAug 24, 2020
Title CompanyATTORNEY ONLY

Transaction

AmountAmount Recorded
Tax$2.00
Additional
  • Quitclaim

Transferred From (Grantor/Seller)

NameVerified Name

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipRevocable Trust
Address6992 43RD AVE SE ST CLOUD MN 563048529, ST CLOUD, MN 56304-8529

March 2018: Loan Modification, Mortgage

Document TypeLoan Modification
JurisdictionSHERBURNE MN
Property Address6992 43RD AVE SE, SAINT CLOUD, MN 56304-8529
Document Number0000854847
Instrument DateMar 12, 2018
Transaction TypeMortgage
Record UpdatedApr 30, 2018

Transferred To (Grantee/Buyer)

NameVerified Name
RelationshipHusband and Wife
Address6992 43RD AVE SE ST CLOUD MN 563048529, ST CLOUD, MN 56304-8529

Mortgage

Document Number0000854847
DateApr 20, 2018
Instrument854847
Lender
NameLIBERTY BK MN
AddressSTCLOUD, MN 56301
Agreement
Term60 Months
DueApr 19, 2023
Interest
Rate TypeFixed Rate
Rate5.37%

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

TypeName
StateMinnesota
CountySherburne County
County SubdivisionClear Lake Township
Unified School DistrictSt. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

YearTax BillAssessed ValueAssessed Market Value
2026$398,000 (+0.48%) Land $113,700 Building $284,300$398,000 (+0.48%) Land $113,700 Building $284,300
2025$3,140.00 (+10.1%)$396,100 (+7.11%) Land $113,100 Building $283,000$396,100 (+7.11%) Land $113,100 Building $283,000
2023$2,852.00$369,800 Land $102,600 Building $267,200
2021$369,800 Land $102,600 Building $267,200

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 November 16, 2011 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood ZoneZone X
minimal risk
Flood Insurance RequirementNot required
lenders may require it
Nearby Flood Policies2 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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire RiskLow
lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood0.02% annual chance
ExposureNone
beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 59 locations within half a mile, as of December 31, 2025

ProviderMax Down / Up (Mbps)
Midco
Cable		1,250 / 60
T-Mobile
Fixed Wireless		100 / 20

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