7092 43rd Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 7092 43rd Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,097 sqft · built 1993
Lot Size	0.68 acres (29,621 sqft)
Owner	2 Individual Names on Record
Last Sale	$377,000 (Jul 2000)
Tax Bill	$6,098 (2025)
Deeds & Mortgages	May 2023 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`20-413-0130`

Property Details

APN / Parcel Number

Primary APN	`20-413-0130`
Alternative APNs	`20-00413-0130` `15322`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Half Baths	1 Half Bath
Building Area	2,097 sqft Living Area
1st Floor Area	2,085 sqft
Basement Area	1,363 sqft
Finished Basement	1,363 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1993
Effective Year Built	Effective 1993
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Hip
Roof Material	Composition Shingle
Lot Area	29,621 sqft (0.68 acres)
Garage Type	Attached
Garage Area	784 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	72 sqft
Deck Area	62 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Heating Fuel	Gas

Location & Zoning

Street Address	7092 43RD AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9573
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 13, BLK 1 EX THEREFROM SWLY 4.15 FT
Legal Range	30W
Legal Township	34N
Legal Section	04
Legal Subdivision	SHERWOOD SHORES SECOND ADDITION
Legal Block	1
Legal Lot Number	13
Jurisdiction	SHERBURNE MN
Township / Civil Division	CLEAR LAKE
Census Block Group	1
Census Block	1033
Census Tract	30302

Owner

Source: Sherburne County records, as of August 4, 2026

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

Owner of Record	2 Individual Names on Record
Mailing Address	7092 43RD AVE SE, SAINT CLOUD, MN 56304-9573
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jul 11, 2000 · Amount on Record
Deed Sale	Jul 11, 2000 · Amount on Record
Deed Document Number	200051067
Record Updated	Sep 20, 2026

May 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	7092 43RD AVE SE, SAINT CLOUD, MN 56304-9573
Transaction Type	Mortgage
Record Updated	May 10, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	7092 43RD AVE SE, SAINT CLOUD, MN 56304-9573

Mortgage

Document Number	0000956259
Date	May 2, 2023
Instrument	956259

Lender

Name	LIBERTY BANK MINNESOTA
Type	Bank
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	May 1, 2033

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of August 4, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Clear Lake Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$706,100 (+0.27%) Land $305,400 Building $400,700	$706,100 (+0.27%) Land $305,400 Building $400,700
2025	$6,098.00 (+5.98%)	$704,200 (+3.68%) Land $305,400 Building $398,800	$704,200 (+3.68%) Land $305,400 Building $398,800
2023	$5,754.00	$679,200 Land $304,000 Building $375,200
2021			$679,200 Land $304,000 Building $375,200

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 Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	2 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 Risk	Low lower than 93% of the US · lower than 78% of Minnesota
Wildfire Likelihood	0.02% annual chance
Exposure	None 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 41 locations within half a mile, as of December 31, 2025

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