809 10th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 809 10th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1955
Lot Size	0.17 acres (7,405 sqft)
Owner	Individual Name on Record
Last Sale	$190,000 (Jun 2026)
Tax Bill	$1,980 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Nov 2025 Sale + 2 more
Flood Zone	Zone X (minimal risk)
APN	`82-47907-0000`

Property Details

APN / Parcel Number

Primary APN	`82-47907-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	768 sqft Living Area
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Exterior Material	Aluminum/Vinyl
Roof Material	Asphalt
Lot Area	7,405 sqft (0.17 acres)
Lot Width	55 ft Width
Garage Area	336 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC

Location & Zoning

Street Address	809 10TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-2934
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R2
Legal Description	S55' OF LOT 7 BLK 70 LOWRY'S ADD SECTION 11 TOWNSHIP 124 RANGE 028 LOWRY'S ADD SECTION 11 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	LOWRYS ADD
Legal Block	70
Legal Lot Number	7
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	1
Census Block	1015
Census Tract	801

Owner

Source: Stearns County records, as of June 25, 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	809 10TH AVE N, SAINT CLOUD, MN 56303-2934
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jun 11, 2026	Warranty Deed, Transfer · VA Mortgage PENNYMAC LOAN SERVICES LLC
Nov 19, 2025	Warranty Deed, Transfer
Mar 1, 2019	Warranty Deed, Transfer
Nov 28, 2018	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 11, 2026 · Amount on Record
Deed Sale	Jun 11, 2026 · Amount on Record
Prior Sale	Nov 19, 2025 · Amount on Record
Deed Document Number	20261714933
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 11, 2026
Property Address	809 10TH AVE N, SAINT CLOUD, MN 56303-2934
Document Number	0001714933
Instrument Date	Jun 8, 2026
Instrument	20261714933
Transaction Type	Transfer
Record Updated	Jun 25, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$63,327.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 10TH AVE N, SAINT CLOUD, MN 56303-2934

Mortgage

Document Number	0001714934,
Date	Jun 11, 2026
Instrument	20261714934

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Adjustable Rate
Rate	6.3%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

November 2025: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 19, 2025
Property Address	809 10TH AVE N, SAINT CLOUD, MN 56303-2934
Document Number	00A1703514
Instrument Date	Nov 17, 2025
Instrument	A1703514
Transaction Type	Transfer
Record Updated	Jan 15, 2026

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	801 MAYWOOD DR, SAINT CLOUD, MN 56303-0921

March 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 1, 2019
Property Address	809 10TH AVE N, SAINT CLOUD, MN 56303-2934
Document Number	00A1539144
Instrument Date	Feb 26, 2019
Instrument	A1539144
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Notice of Trustee Sale Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	809 10TH AVE N, SAINT CLOUD, MN 56303-2934

November 2018: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 28, 2018
Property Address	809 10TH AVE N, SAINT CLOUD, MN 56303-2934
Document Number	00A1533980
Instrument Date	Nov 14, 2018
Instrument	A1533980
Transaction Type	Transfer
Record Updated	Aug 18, 2022

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	PO BOX 732, ALBANY, MN 56307-0732

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$1,980.00 (+23.29%)
2025	$1,606.00 (+6.22%) Homeowner's exemption	$162,400 (+8.34%) Land $25,000 Building $137,400	$162,400 (+8.34%) Land $25,000 Building $137,400
2023	$1,512.00	$149,900 Land $25,000 Building $124,900	$149,900 Land $25,000 Building $124,900

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 September 29, 2024

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	Not rated no burnable land within 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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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