720 31st Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 720 31st Ave N, Saint Cloud, MN 56303 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 924 sqft · built 2002
Lot Size	0.13 acres (5,663 sqft)
Owner	2 Individual Names on File
Last Sale	$280,000 (Jun 2026)
Tax Bill	$3,086 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Jul 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-45675-0000`

Property Details

APN / Parcel Number

Primary APN	`82-45675-0000`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	924 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2002
Effective Year Built	Effective 2002
Architectural Style	Bi-Level
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	5,663 sqft (0.13 acres)
Lot Width	42 ft Width
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	720 31ST AVE N
City	SAINT CLOUD
State	MN
Zip	56303-3149
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	& W2 VAC ALLEY ADJ TO SAID LOT CENTRAL PARK ADD SECTION 10 TOWNSHIP 124 RANGE 028 CENTRAL PARK ADD SECTION 10 TOWNSHIP 124
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	CENTRAL PARK ADD
Legal Block	43
Legal Lot Number	21
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3022
Census Tract	701

Owner

Source: Stearns County records · APN 82-45675-0000

Assessment roll updated November 6, 2025 · Last verified July 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 File
Mailing Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 25, 2026	Warranty Deed, Transfer · Conventional Mortgage LAKE AREA MORTGAGE
Jul 18, 2023	Warranty Deed, Transfer
Oct 31, 2017	Warranty Deed, Transfer ECTOR COUNTY ABSTRACT AND TITLE, TRI-COUNTY ABSTRACT & TITLE

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 25, 2026 · Amount on Record
Deed Sale	Jun 25, 2026 · Amount on Record
Prior Sale	Jul 07, 2023 · Amount on Record
Deed Document Number	20261715801
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 25, 2026
Property Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149
Document Number	0001715801
Instrument Date	Jun 22, 2026
Instrument	20261715801
Transaction Type	Transfer
Record Updated	Jul 22, 2026
Title Company	NORTH TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$93,324.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149

Mortgage

Document Number	0001715802,
Date	Jun 25, 2026
Instrument	20261715802

Lender

Name	LAKE AREA MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.36%
Initial Type	Fixed Rate
Max Rate	-1%

Mortgage

Document Number	0001715803,
Date	Jun 25, 2026
Instrument	20261715803

Lender

Name	ROYAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jul 01, 2056

Interest

Rate	6.36%
Max Rate	-1%

July 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 18, 2023
Property Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149
Document Number	00A1656570
Instrument Date	Jul 07, 2023
Instrument	A1656570
Transaction Type	Transfer
Record Updated	Aug 07, 2023

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
Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 31, 2017
Property Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149
Document Number	00A1508027
Instrument Date	Oct 24, 2017
Instrument	A1508027
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ECTOR COUNTY ABSTRACT AND TITLE, TRI-COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$504.90
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	720 31ST AVE N, SAINT CLOUD, MN 56303-3149

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified July 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	$3,086.00 (-19.76%)
2025		$206,600 (-) Land $30,000 Building $176,600	$206,600 (-) Land $30,000 Building $176,600
2023	$3,846.00	$206,600 Land $30,000 Building $176,600	$206,600 Land $30,000 Building $176,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450007013, refreshed September 2026 · 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
Nearby Flood Policies	1 in force
Nearby Flood Claims	3 (2018–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026, rainfall accumulation

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 555 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
Verizon	Fixed Wireless	300 / 20
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: Consolidated Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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