806 Cummings Ln, Saint Cloud, MN 56301 Property Records

Stearns County property record for 806 Cummings Ln, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 864 sqft · built 1962
Lot Size	0.32 acres (13,939 sqft)
Owner	2 Individual Names on Record
Last Sale	$271,500 (Sep 2025)
Tax Bill	$3,238 (2026)
Deeds & Mortgages	Sep 2025 Sale Aug 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-46411-0540`

Property Details

APN / Parcel Number

Primary APN	`82-46411-0540`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	4 Rooms
Building Area	864 sqft Living Area

Exterior

Year Built	Built 1962
Effective Year Built	Effective 1962
Architectural Style	Bi-Level
Exterior Material	Metal
Roof Material	Asphalt
Lot Area	13,939 sqft (0.32 acres)
Lot Width	90 ft Width
Garage Area	960 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	806 CUMMINGS LN
City	SAINT CLOUD
State	MN
Zip	56301-5912
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 008 BLK 002 CUMMING ADD TO ST CLOUD SECTION 23 TOWNSHIP 124 RANGE 028 SECTION 23 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	CUMMING ADD TO ST CLOUD
Legal Block	2
Legal Lot Number	8
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	304

Owner

Source: Stearns County records, as of August 21, 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 Record
Mailing Address	1252 E SAINT GERMAIN ST, 304, SAINT CLOUD, MN 56304-0640
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Sep 8, 2025	Warranty Deed, Transfer ANCONA TITLE, ANCONA TITLE & ESCROW
Aug 17, 2023	Affidavit, Transfer
Jan 4, 2021	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 8, 2025 · Amount on Record
Deed Sale	Sep 8, 2025 · Amount on Record
Prior Sale	Aug 29, 2025 · Amount on Record
Deed Document Number	20251699179
Record Updated	Oct 29, 2026

September 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 8, 2025
Property Address	806 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Document Number	00A1699179
Instrument Date	Aug 29, 2025
Instrument	A1699179
Transaction Type	Transfer
Record Updated	Oct 7, 2025
Title Company	ANCONA TITLE, ANCONA TITLE & ESCROW

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	806 CUMMINGS LN, SAINT CLOUD, MN 56301-5912

August 2023: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	STEARNS MN
Recording Date	Aug 17, 2023
Property Address	806 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Document Number	00A1658453
Instrument Date	Mar 13, 2023
Instrument	A1658453
Transaction Type	Transfer
Record Updated	Sep 12, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	906 CUMMINGS CN, SAINT CLOUD, MN 56301

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 4, 2021
Property Address	806 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Document Number	00A1590442
Instrument Date	Nov 13, 2020
Instrument	A1590442
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
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	806 CUMMINGS LN, SAINT CLOUD, MN 56301-5912

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,238.00 (+22%)	$250,800 (+4.15%) Land $40,000 Building $210,800	$250,800 (+4.15%) Land $40,000 Building $210,800
2025	$2,654.00 (+9.49%)	$240,800 (+8.22%) Land $40,000 Building $200,800	$240,800 (+8.22%) Land $40,000 Building $200,800
2023	$2,424.00	$222,500 Land $40,000 Building $182,500	$222,500 Land $40,000 Building $182,500

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 September 29, 2024 · 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	1 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

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 102 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000

May also be available: Intrepid Fiber Networks, Verizon.

Nearby Properties on Cummings Ln

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures