702 7th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 702 7th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,304 sqft · built 1923
Lot Size	0.19 acres (8,276 sqft)
Owner	Individual Name on File
Last Sale	$143,500 (Nov 2018)
Tax Bill	$2,644 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage Nov 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-48144-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48144-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	7 Rooms
Stories	1 Story
Building Area	1,304 sqft Living Area
1st Floor Area	888 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1923
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Width	66 ft Width
Garage Area	440 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	702 7TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3403
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R5
Legal Description	LOT 005 BLK 093 LOWRY'S ADD SECTION 11 TOWNSHIP 124 RANGE 028 SECTION 11 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	LOWRYS ADD
Legal Block	93
Legal Lot Number	5
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4006
Census Tract	801

Owner

Source: Stearns County assessment roll, as of November 6, 2025

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	702 7TH AVE N, SAINT CLOUD, MN 56303-3403
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 20, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Nov 20, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 20, 2018 · Amount on Record
Deed Sale	Nov 20, 2018 · Amount on Record
Deed Document Number	20181533621
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 20, 2026
Property Address	702 7TH AVE N, SAINT CLOUD, MN 56303-3403
Document Number	0001717419
Instrument Date	Jul 16, 2026
Instrument	20261717419
Transaction Type	Transfer
Record Updated	Aug 5, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$89,324.40
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	702 7TH AVE N, SAINT CLOUD, MN 56303-3403

Mortgage

Document Number	0001717419,
Date	Jul 20, 2026
Instrument	20261717419

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Aug 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.48%
Initial Type	Fixed Rate
Max Rate	-1%

November 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 20, 2018
Property Address	702 7TH AVE N, SAINT CLOUD, MN 56303-3403
Document Number	00A1533621
Instrument Date	Nov 16, 2018
Instrument	A1533621
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	702 7TH AVE N, SAINT CLOUD, MN 56303-3403

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$2,644.00 (+26.99%)
2025		$203,700 (+12.54%) Land $30,000 Building $173,700	$203,700 (+12.54%) Land $30,000 Building $173,700
2023	$2,082.00	$181,000 Land $30,000 Building $151,000	$181,000 Land $30,000 Building $151,000

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 · 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	1 in force
Nearby Flood Claims	3 (1979–1997)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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 Risk	Not rated no burnable land within ember reach

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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
BIF IV Intrepid HoldCo Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Lumen Technologies DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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