705 Riverside Dr SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 705 Riverside Dr SE, Saint Cloud, MN 56304 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Lot Size	0.352 acres (15,374 sqft)
Owner	2 Individual Names on File
Last Sale	$380,000 (Aug 2013)
Tax Bill	$6,688 (2025)
Deeds & Mortgages	Sep 2023 Mortgage Nov 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-401-0210`

Property Details

APN / Parcel Number

Primary APN	`85-401-0210`
Alternative APNs	`85-00401-0210` `42088`

Exterior

Lot Area	15,374 sqft (0.352 acres)

Location & Zoning

Street Address	705 RIVERSIDE DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK 2 AND VACATED SLY 1-2 OF 7TH ST NE
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	2
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	31500

Owner

Source: Sherburne County records · APN 85-401-0210

Assessment roll updated July 29, 2025 · Last verified April 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 File
Mailing Address	705 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Borrower in Default

Deeds, Mortgages & Sale History

Date	Document
Sep 22, 2023	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK NA
Nov 30, 2022	Intrafamily Transfer, Transfer
Mar 04, 2020	Deed of Trust, Mortgage · Conventional Mortgage HERITAGE BANK

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Aug 26, 2013 · Amount on Record
Deed Sale	Aug 26, 2013 · Amount on Record
Deed Document Number	2013777083
Record Updated	Jun 08, 2026

September 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	705 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Transaction Type	Mortgage
Record Updated	Oct 04, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	705 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448

Mortgage

Document Number	0000961834
Date	Sep 22, 2023
Instrument	961834

Lender

Name	HERITAGE BANK NA
Type	Bank
Address	WILLMAR, MN 56201

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	241 Months
Due	Oct 01, 2043

Interest

Rate Type	Adjustable Rate
Rate	6.75%
Type Change Date	Oct 01, 2030
Change Frequency	6 Months
Min Rate At Change	6.75%
Max Rate At Change	8.75%
Margin	4
Max Rate	19%

November 2022: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHERBURNE MN
Recording Date	Nov 30, 2022
Property Address	705 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Document Number	0000951507
Instrument Date	Nov 30, 2022
Instrument	951507
Transaction Type	Transfer
Record Updated	Jun 07, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	705 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448

March 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	705 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Transaction Type	Mortgage
Record Updated	Feb 05, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000887732
Date	Mar 04, 2020
Instrument	887732

Lender

Name	HERITAGE BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 01, 2035

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Sherburne County records · Assessment roll updated July 29, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
Municipality	St. Cloud City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

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
2025	$6,688.00 (+15.39%)	$460,900 (-) Land $125,000 Building $335,900	$460,900 (-) Land $125,000 Building $335,900
2023	$5,796.00	$460,900 Land $130,000 Building $330,900
2021			$460,900 Land $130,000 Building $330,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Sherburne County (27141C), updated November 16, 2011 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone AE, within 100 ft

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 252 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Spectrum	Cable	1,000 / 1,000
Verizon	Fixed Wireless	300 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: AT&T, BIF IV Intrepid HoldCo, T-Mobile USA, Lumen Technologies, Spectrum. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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