815 11th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 815 11th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.11 acres (4,792 sqft)
Owner	2 Individual Names on Record
Last Sale	$136,000 (Mar 2020)
Tax Bill	$2,542 (2025)
Deeds & Mortgages	Mar 2020 Sale & Mortgage Feb 2018 Sale & Line of Credit + 1 more
Flood Zone	Zone X (minimal risk)
APN	`85-464-0105`

Property Details

APN / Parcel Number

Primary APN	`85-464-0105`
Alternative APNs	`85-00464-0105` `46867`

Exterior

Lot Area	4,792 sqft (0.11 acres)

Location & Zoning

Account Number	46867
Street Address	815 11TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1577
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1 BLK 1
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	CARMACK THIRD ADDITION
Legal Block	1
Legal Lot Number	1
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	12426 193RD LN NW, ELK RIVER, MN 55330-4561
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 18, 2020	Limited Warranty Deed, Transfer · Conventional Mortgage LAKE AREA BANK
Feb 12, 2018	Trustee's Deed, Transfer · Line of Credit DEERWOOD BK
Oct 5, 2017	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 18, 2020 · Amount on Record
Deed Sale	Mar 18, 2020 · Amount on Record
Prior Sale	Oct 5, 2017 · Amount on Record
Deed Document Number	2020888384
Prior Transfer Date	Mar 16, 2016
Prior Transfer Doc	0000817895
Record Updated	Oct 29, 2026

March 2020: Limited Warranty Deed, Transfer

Document Type	Limited Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Mar 18, 2020
Property Address	815 11TH AVE SE, SAINT CLOUD, MN 56304-1577
Document Number	0000888384
Instrument Date	Mar 12, 2020
Instrument	888384
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Tax	$448.80
Amount Accuracy	Calculated from Transfer Tax
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	12426 193RD LN NW, ELK RIVER, MN 55330-4561

Mortgage

Document Number	0000888385
Date	Mar 18, 2020
Instrument	888385

Lender

Name	LAKE AREA BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Mar 2, 2035

Interest

Rate Type	Fixed Rate

February 2018: Trustee's Deed, Transfer

Document Type	Trustee's Deed
Jurisdiction	SHERBURNE MN
Recording Date	Feb 12, 2018
Property Address	815 11TH AVE SE, SAINT CLOUD, MN 56304-1577
Document Number	0000851989
Instrument Date	Feb 1, 2018
Instrument	851989
Transaction Type	Transfer
Record Updated	Feb 22, 2018
Title Company	STEWART TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$13,260.00
Additional	Multiple Parcels

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Company
Address	5900 GREEN OAK DR #100 MINNETONKA MN 553434709, 100, MINNETONKA, MN 55343-4709

Mortgage

Document Number	851990
Date	Feb 12, 2018
Instrument	851990

Lender

Name	DEERWOOD BK
Type	Bank
Address	1060 DAKOTA DR, MENDOTA HEIGHTS, MN 55120-5503

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	120 Months
Due	Feb 11, 2028

Interest

Rate Type	Adjustable Rate

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Oct 5, 2017
Property Address	815 11TH AVE SE, SAINT CLOUD, MN 56304-1577
Document Number	0000846118
Instrument Date	Sep 11, 2017
Instrument	846118
Transaction Type	Transfer
Record Updated	Aug 15, 2022

Transaction

Amount	Amount Recorded
Tax	$363.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	586 DODGE AVE NW, ELK RIVER, MN 55330-1912
Investor	Possibly a Property Investor

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		$173,400 (-) Land $40,000 Building $133,400	$173,400 (-) Land $40,000 Building $133,400
2025	$2,542.00 (+17.14%)	$173,400 (-) Land $40,000 Building $133,400	$173,400 (-) Land $40,000 Building $133,400
2023	$2,170.00	$173,400 Land $30,000 Building $143,400
2021			$173,400 Land $30,000 Building $143,400

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.

Nearby Properties on 11th Ave SE

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

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