7109 47th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 7109 47th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 1,211 sqft · built 1992
Lot Size	0.61 acres (26,572 sqft)
Owner	2 Individual Names on File
Tax Bill	$5,502 (2025)
Deeds & Mortgages	Apr 2020 Loan Modification
Flood Zone	Zone X (minimal risk)
APN	`20-416-0165`

Property Details

APN / Parcel Number

Primary APN	`20-416-0165`
Alternative APNs	`20-00416-0165` `15367`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,211 sqft Living Area
1st Floor Area	1,206 sqft
Basement Area	888 sqft
Finished Basement	888 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1992
Effective Year Built	Effective 1993
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	26,572 sqft (0.61 acres)
Garage Type	Attached
Garage Area	1,116 sqft
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	130 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	7109 47TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-9583
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	LOT 13, BLK 1
Legal Range	30W
Legal Township	34N
Legal Section	04
Legal Subdivision	SHERWOOD SHORES FOURTH 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

7109 47th Ave SE is owned and occupied by two individuals who acquired it in August 2025.

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 File
Mailing Address	7109 47TH AVE SE, SAINT CLOUD, MN 56304-9583
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Transfer Date	Aug 19, 2025
Transfer Doc	0000987095
Record Updated	Sep 20, 2026

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	SHERBURNE MN
Property Address	7109 47TH AVE SE, SAINT CLOUD, MN 56304-9583
Document Number	0000890006
Instrument Date	Apr 15, 2020
Transaction Type	Mortgage
Record Updated	Jun 15, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Husband and Wife
Address	7109 47TH AVE SE ST CLOUD MN 563049583, ST CLOUD, MN 56304-9583

Mortgage

Document Number	0000890006
Date	Apr 20, 2020
Instrument	890006

Lender

Name	LIBERTY BK MN
Address	ST CLOUD, MN 56301

Agreement

Term	60 Months
Due	Apr 19, 2025

Interest

Rate	5.37%

Tax Assessment & Valuation

The 2025 property tax bill for 7109 47th Ave SE was $5,502.

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		$641,900 (-0.36%) Land $271,100 Building $370,800	$641,900 (-0.36%) Land $271,100 Building $370,800
2025	$5,502.00	$644,200 Land $271,100 Building $373,100	$644,200 Land $271,100 Building $373,100
2023	$5,260.00	$632,900 Land $292,600 Building $340,300
2021			$632,900 Land $292,600 Building $340,300

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

Flood

FEMA maps place 7109 47th Ave SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 7109 47th Ave SE is low, with a 0.02% annual chance of 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