723 10th St SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 723 10th St SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.349 acres (15,212 sqft)
Owner	2 Individual Names on Record
Last Sale	$353,500 (Aug 2022)
Tax Bill	$4,294 (2025)
Deeds & Mortgages	Sep 2022 Sale & Mortgage Oct 2021 Sale & Mortgage + 3 more
Flood Zone	Zone X (minimal risk)
APN	`85-401-3820`

Property Details

APN / Parcel Number

Primary APN	`85-401-3820`
Alternative APNs	`85-00401-3820` `42193`

Exterior

Lot Area	15,212 sqft (0.349 acres)

Location & Zoning

Account Number	42193
Street Address	723 10TH ST SE
City	SAINT CLOUD
State	MN
Zip	56304-1433
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 5 EX N 10 FT & ALL LOT 6, BLK 38 & NLY 17 FT OF VAC 10TH ST SE ADJ TO LOT 6, BLK 38
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	38
Legal Lot Number	5,6
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2032
Census Tract	31500

Owner

Source: Sherburne County records, as of September 15, 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	723 10TH ST SE, SAINT CLOUD, MN 56304-1433
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 9, 2022	Warranty Deed, Transfer · Conventional Mortgage FIDELITY BANK
Oct 27, 2021	Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA
Mar 3, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNION BANK & TRUST
Dec 28, 2017	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN MTG & EQUITY CONSULT
Jun 14, 2017	Deed, Transfer · FHA Mortgage AMERICAN MORTGAGE & EQUITY CONSULTANTS

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 31, 2022 · Amount on Record
Deed Sale	Aug 31, 2022 · Amount on Record
Prior Sale	Oct 27, 2021 · Amount on Record
Deed Document Number	20221465101
Prior Transfer Date	May 23, 2017
Prior Transfer Doc	0000840150
Record Updated	Oct 29, 2026

September 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 9, 2022
Property Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433
Document Number	0000948094
Instrument Date	Aug 29, 2022
Instrument	948094
Transaction Type	Transfer
Record Updated	Sep 23, 2022
Title Company	TITLE SPECIALIST, TITLE SPECIALISTS INC

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,166.55
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433

Mortgage

Document Number	0000948095
Date	Sep 9, 2022
Instrument	948095

Lender

Name	FIDELITY BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2052

October 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 27, 2021
Property Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433
Document Number	0000930869
Instrument Date	Oct 21, 2021
Instrument	930869
Transaction Type	Transfer
Record Updated	Nov 10, 2021
Title Company	EDINA REALTY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,072.50
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433

Mortgage

Document Number	0000930870
Date	Oct 27, 2021
Instrument	930870

Lender

Name	HOMEOWNERS FINANCIAL GROUP USA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded

March 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000913321
Date	Mar 3, 2021
Instrument	913321

Lender

Name	UNION BANK & TRUST
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2035

Interest

Rate Type	Fixed Rate

December 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000850139
Date	Dec 28, 2017
Instrument	850139

Lender

Name	AMERICAN MTG & EQUITY CONSULT
Type	Funding / Finance Company

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jan 1, 2048

Interest

Rate Type	Fixed Rate

June 2017: Deed, Transfer

Document Type	Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jun 14, 2017
Property Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433
Document Number	0000840151
Instrument Date	Jun 8, 2017
Instrument	840151
Transaction Type	Transfer
Record Updated	Aug 16, 2021
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$726.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	723 10TH ST SE, SAINT CLOUD, MN 56304-1433

Mortgage

Document Number	0000840152
Date	Jun 14, 2017
Instrument	840152

Lender

Name	AMERICAN MORTGAGE & EQUITY CONSULTANTS
Type	Mortgage Company
Address	MINNEAPOLIS, MN 55435

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Jul 1, 2047

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of September 15, 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		$292,900 (-) Land $45,000 Building $247,900	$292,900 (-) Land $45,000 Building $247,900
2025	$4,294.00 (+30.28%)	$292,900 (-) Land $45,000 Building $247,900	$292,900 (-) Land $45,000 Building $247,900
2023	$3,296.00	$292,900 Land $35,000 Building $257,900
2021			$292,900 Land $35,000 Building $257,900

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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