812 10th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 812 10th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.164 acres (7,151 sqft)
Owner	2 Individual Names on Record
Last Sale	$216,000 (Sep 2023)
Tax Bill	$846 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Sep 2023 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-7945`

Property Details

APN / Parcel Number

Primary APN	`85-401-7945`
Alternative APNs	`85-00401-7945` `42446`

Exterior

Lot Area	7,151 sqft (0.164 acres)

Location & Zoning

Account Number	42446
Street Address	812 10TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1513
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10, BLK 79 EX RR
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	79
Legal Lot Number	10
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2010
Census Tract	31500

Owner

Source: Sherburne County records, as of September 15, 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	812 10TH AVE SE, SAINT CLOUD, MN 56304-1513
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 26, 2026	Deed of Trust, Mortgage · VA Mortgage UNION HOME MORTGAGE CORP
Sep 6, 2023	Warranty Deed, Transfer · VA Mortgage SERVION INC

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 6, 2023 · Amount on Record
Deed Sale	Sep 6, 2023 · Amount on Record
Prior Sale	Aug 30, 2023 · Amount on Record
Deed Document Number	2023961252
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	812 10TH AVE SE, SAINT CLOUD, MN 56304-1513
Transaction Type	Mortgage
Record Updated	Apr 9, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	812 10TH AVE SE, SAINT CLOUD, MN 56304-1513

Mortgage

Document Number	0000995562
Date	Mar 26, 2026
Instrument	995562

Lender

Name	UNION HOME MORTGAGE CORP
Type	Mortgage Company
Address	STRONGSVILLE, OH 44136

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Apr 1, 2056

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 6, 2023
Property Address	812 10TH AVE SE, SAINT CLOUD, MN 56304-1513
Document Number	0000961252
Instrument Date	Aug 29, 2023
Instrument	961252
Transaction Type	Transfer
Record Updated	Sep 13, 2023
Title Company	RAINS COUNTY ABSTRACT AND TITLE, STEARNS CNTY ABSTRACT & TTL

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$712.80
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	812 10TH AVE SE, SAINT CLOUD, MN 56304-1513

Mortgage

Document Number	0000961253
Date	Sep 6, 2023
Instrument	961253

Lender

Name	SERVION INC
Type	Funding / Finance Company

Agreement

Type	VA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Sep 1, 2053

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		$207,700 (-) Land $40,000 Building $167,700	$207,700 (-) Land $40,000 Building $167,700
2025	$846.00 (-60.47%)	$207,700 (-) Land $40,000 Building $167,700	$207,700 (-) Land $40,000 Building $167,700
2023	$2,140.00	$207,700 Land $30,000 Building $177,700
2021			$207,700 Land $30,000 Building $177,700

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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