706 Riverside Dr NE, Saint Cloud, MN 56304 Property Records

Benton County property record for 706 Riverside Dr NE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.221 acres (9,631 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,360 (2026)
Deeds & Mortgages	Jan 2009 Mortgage Oct 2012 Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`17.00683.00`

Property Details

APN / Parcel Number

Primary APN	`17.00683.00`

Exterior

Lot Area	9,631 sqft (0.221 acres)

Location & Zoning

Street Address	706 RIVERSIDE DR NE
City	SAINT CLOUD
State	MN
Zip	56304-0136
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	SECT-35 TWP-036 RANGE-031 ST CLOUD PARK LOT-005 BLOCK-001 & S1/2 OF LOT 4
Legal Range	031
Legal Township	036
Legal Section	35
Legal Subdivision	ST CLOUD PARK
Legal Block	1
Legal Lot Number	4-5
Jurisdiction	BENTON MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4005
Census Tract	21201

Owner

Source: Benton County records, as of July 16, 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	706 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0136
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jan 6, 2009	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Oct 31, 2012	Deed of Trust, Mortgage · FHA Mortgage WELLS FARGO BANK NA
Apr 21, 2005	Deed of Trust, Mortgage · Line of Credit WELLS FARGO BANK NA
Mar 2, 2026	Intrafamily Transfer, Transfer · Conventional Mortgage ST CLOUD FCU

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Jan 16, 2026
Transfer Doc	0000482089
Record Updated	Sep 20, 2026

January 2009: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	706 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0136
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0001362823
Date	Jan 6, 2009
Instrument	1362823

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	NEWARK, NJ 07101

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2039

October 2012: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	706 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0136
Transaction Type	Mortgage
Record Updated	Mar 24, 2026
Title Company	RES TITLE, RELS TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000392363
Date	Oct 31, 2012
Instrument	392363

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	SIOUX FALLS, SD 57104

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Nov 1, 2042

April 2005: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BENTON MN
Property Address	706 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0136
Transaction Type	Mortgage
Record Updated	Mar 24, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	000A325241
Date	Apr 21, 2005
Instrument	A325241

Lender

Name	WELLS FARGO BANK NA
Type	Bank
Address	BILLINGS, MT 59107

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	479 Months
Due	Mar 25, 2045

March 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	BENTON MN
Recording Date	Mar 2, 2026
Property Address	706 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0136
Document Number	0000482089
Instrument Date	Jan 16, 2026
Instrument	482089
Transaction Type	Transfer
Record Updated	Mar 24, 2026

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	Joint Tenants
Address	706 RIVERSIDE DR NE, SAINT CLOUD, MN 56304-0136

Mortgage

Document Number	0000482090
Date	Mar 2, 2026
Instrument	482090

Lender

Name	ST CLOUD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	178 Months
Due	Jan 22, 2041

Tax Assessment & Valuation

Source: Benton County assessment roll, as of July 16, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Benton 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	$2,360.00 (+20.65%) Homeowner's exemption	$200,100 (+13.37%) Land $40,000 Building $160,100	$200,100 (+13.37%) Land $40,000 Building $160,100
2023	$1,956.00	$176,500 Land $40,000 Building $136,500	$176,500 Land $40,000 Building $136,500

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 July 29, 2019

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
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	Not rated no burnable land within 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 263 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
Starlink Satellite	280 / 30

May also be available: CenturyLink.

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