720 18th Ave S, Saint Cloud, MN 56301 Property Records

Stearns County property record for 720 18th Ave S, Saint Cloud, MN 56301 · Last verified August 2026

Property Summary

Property Type	Duplex
Details	3 bd · 2.5 ba · 1,656 sqft · built 1910
Lot Size	0.18 acres (7,841 sqft)
Owner	Individual Name on File
Last Sale	$112,500 (Apr 2016)
Tax Bill	$4,608 (2026)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-51166-0008`

Property Details

APN / Parcel Number

Primary APN	`82-51166-0008`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	8 Rooms
Stories	2 Stories
Building Area	1,656 sqft Living Area
1st Floor Area	828 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1910
Effective Year Built	Effective 1910
Architectural Style	Duplex Single
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Width	63 ft Width

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Other

Location & Zoning

Street Address	720 18TH AVE S
City	SAINT CLOUD
State	MN
Zip	56301-4005
Property Category	Residential
Property Type	Residential > Multi-Unit > Duplex
Legal Description	LOT 6 & N2 OF LOT 7 BLK 1 STECKLING'S 2ND ADD SECTION 14 TOWNSHIP 124 RANGE 028 STECKLING'S 2ND ADD SECTION 14 TOWNSHIP 124
Legal Range	28W
Legal Township	124
Legal Section	14
Legal Subdivision	STECKLINGS 2ND ADD
Legal Block	1
Legal Lot Number	6-7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3014
Census Tract	601

Owner

Source: Stearns County records · APN 82-51166-0008

Assessment roll updated July 30, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	720 18TH AVE S, SAINT CLOUD, MN 56301-4005
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Apr 15, 2016 · Amount on Record
Deed Sale	Apr 15, 2016 · Amount on Record
Deed Document Number	2016485562
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 28, 2026
Property Address	720 18TH AVE S, SAINT CLOUD, MN 56301-4005
Document Number	0001713844
Instrument Date	May 15, 2026
Instrument	20261713844
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CLOSING DEPARTMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 18TH AVE S, SAINT CLOUD, MN 56301-4005

Mortgage

Document Number	0001713844,
Date	May 28, 2026
Instrument	20261713844

Lender

Name	FREEDOM MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Adjustable Rate
Rate	5.25%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns 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
2026	$4,608.00 (+33.03%)	$165,900 (-) Land $25,000 Building $140,900	$165,900 (-) Land $25,000 Building $140,900
2025		$165,900 (+12.47%) Land $25,000 Building $140,900	$165,900 (+12.47%) Land $25,000 Building $140,900
2023	$3,464.00	$147,500 Land $25,000 Building $122,500	$147,500 Land $25,000 Building $122,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · 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

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 682 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
BIF IV Intrepid HoldCo	Fiber	2,000 / 2,000
Spectrum	Cable	1,000 / 1,000
T-Mobile USA	Fixed Wireless	100 / 20
AT&T	Fixed Wireless	100 / 20
Starlink	Satellite (low-earth orbit)	280 / 30

May also be available at this address: Verizon, Arvig Enterprises. Availability varies by address; speeds are provider-advertised maximums, not measured.