721 11th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 721 11th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Multi-Family Dwellings
Lot Size	0.166 acres (7,250 sqft)
Owner	Individual Name on Record
Tax Bill	$2,926 (2025)
Deeds & Mortgages	May 2021 Mortgage Jul 2017 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-402-3920`

Property Details

APN / Parcel Number

Primary APN	`85-402-3920`
Alternative APNs	`85-00402-3920` `42536`

Exterior

Architectural Style	Multi-Family
Lot Area	7,250 sqft (0.166 acres)

Location & Zoning

Street Address	721 11TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1626
Property Category	Residential
Property Type	Residential > Multi-Unit > Multi-Family Dwellings
Legal Description	LOT 6, BLK 39
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	WAITE'S ADDITION
Legal Block	39
Legal Lot Number	6
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2051
Census Tract	31500

Owner

Source: Sherburne County records, as of August 4, 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 Record
Mailing Address	721 11TH ST SE, SAINT CLOUD, MN 56304-1626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 19, 2021	Deed of Trust, Mortgage · Conventional Mortgage FREEDOM MORTGAGE
Jul 5, 2017	Quit Claim Deed, Transfer · Conventional Mortgage TCF NATIONAL BANK

Assessor's Deed Record

Deed Names	Name on Deed
Last Transfer Date	Jun 26, 2017
Transfer Doc	0000841219
Record Updated	Sep 20, 2026

May 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	721 11TH ST SE, SAINT CLOUD, MN 56304-1626
Transaction Type	Mortgage
Record Updated	Oct 10, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000919579
Date	May 19, 2021
Instrument	919579

Lender

Name	FREEDOM MORTGAGE
Type	Mortgage Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jun 1, 2036

Interest

Rate Type	Fixed Rate

July 2017: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jul 5, 2017
Property Address	721 11TH ST SE, SAINT CLOUD, MN 56304-1626
Document Number	0000841219
Instrument Date	Jun 26, 2017
Instrument	841219
Transaction Type	Transfer
Record Updated	Nov 19, 2022
Title Company	CAMBRIA TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	721 11TH ST SE, SAINT CLOUD, MN 56304-1626

Mortgage

Document Number	0000841220
Date	Jul 5, 2017
Instrument	841220

Lender

Name	TCF NATIONAL BANK
Type	Bank
Address	SIOUX FALLS, SD 57106

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Jul 1, 2027

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of August 4, 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		$223,900 (-) Land $40,000 Building $183,900	$223,900 (-) Land $40,000 Building $183,900
2025	$2,926.00 (+29.35%)	$223,900 (+12.01%) Land $40,000 Building $183,900	$223,900 (+12.01%) Land $40,000 Building $183,900
2023	$2,262.00	$199,900 Land $30,000 Building $169,900
2021			$199,900 Land $30,000 Building $169,900

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 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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