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

Sherburne County property record for 707 Riverside Dr SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.209 acres (9,107 sqft)
Owner	2 Individual Names on File
Last Sale	$599,900 (Feb 2026)
Tax Bill	$7,920 (2025)
Deeds & Mortgages	Feb 2026 Sale & Mortgage Feb 2026 Transfer + 2 more
Flood Zone	Zone X (minimal risk)
APN	`85-401-0220`

Property Details

APN / Parcel Number

Primary APN	`85-401-0220`
Alternative APNs	`85-00401-0220` `42089`

Exterior

Lot Area	9,107 sqft (0.209 acres)

Location & Zoning

Account Number	42089
Street Address	707 RIVERSIDE DR SE
City	SAINT CLOUD
State	MN
Zip	56304-1448
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 2, BLK 2
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	2
Legal Lot Number	2
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2021
Census Tract	31500

Owner

707 Riverside Dr SE is owned and occupied by two individuals who bought it in February 2026.

Source: Sherburne County records, as of September 15, 2026

Owner of Record	2 Individual Names on File
Mailing Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Feb 4, 2026	Warranty Deed, Transfer · Conventional Mortgage ST CLOUD FCU
Feb 4, 2026	Intrafamily Transfer, Transfer
May 3, 2018	Quit Claim Deed, Transfer Quitclaim
Apr 2, 2018	Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Feb 4, 2026 · Amount on File
Deed Sale	Feb 4, 2026 · Amount on File
Deed Document Number	2026993813
Prior Transfer Date	Jan 28, 2026
Prior Transfer Doc	0000993812
Record Updated	Oct 29, 2026

February 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 4, 2026
Property Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Document Number	0000993813
Instrument Date	Jan 30, 2026
Instrument	993813
Transaction Type	Transfer
Record Updated	Feb 20, 2026
Title Company	FIRST AMERICAN TITLE INSURANCE COMPANY NC, FIRST AMERICAN TITLE INS CO

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,979.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448

Mortgage

Document Number	0000993814
Date	Feb 4, 2026
Instrument	993814

Lender

Name	ST CLOUD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Feb 1, 2056

February 2026: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	SHERBURNE MN
Recording Date	Feb 4, 2026
Property Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Document Number	0000993812
Instrument Date	Jan 28, 2026
Instrument	993812
Transaction Type	Transfer
Record Updated	Feb 20, 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	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448

May 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	May 3, 2018
Property Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Document Number	0000855495
Instrument Date	Apr 27, 2018
Instrument	855495
Transaction Type	Transfer
Record Updated	Jan 12, 2019

Transaction

Tax	$0.00
Additional	Quitclaim Intrafamily Transfer Partial Interest

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	707 RIVERSIDE DR SE ST CLOUD MN 563041448, ST CLOUD, MN 56304-1448

April 2018: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Apr 2, 2018
Property Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448
Document Number	0000854010
Instrument Date	Mar 23, 2018
Instrument	854010
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	707 RIVERSIDE DR SE, SAINT CLOUD, MN 56304-1448

Tax Assessment & Valuation

The 2025 property tax bill for 707 Riverside Dr SE was $7,920.

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$532,800 (-) Land $120,000 Building $412,800	$532,800 (-) Land $120,000 Building $412,800
2025	$7,920.00	$532,800 Land $120,000 Building $412,800	$532,800 Land $120,000 Building $412,800
2023	$6,552.00	$532,800 Land $125,000 Building $407,800
2021			$532,800 Land $125,000 Building $407,800

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 707 Riverside Dr SE in Zone X, an area of minimal flood risk, within 100 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 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

Wildfire risk around 707 Riverside Dr SE is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond 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 356 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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