817 Cummings Ln, Saint Cloud, MN 56301 Property Records

Stearns County property record for 817 Cummings Ln, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,084 sqft · built 1978
Lot Size	0.36 acres (15,682 sqft)
Owner	2 Individual Names on Record
Tax Bill	$2,986 (2026)
Deeds & Mortgages	May 2026 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-46411-0516`

Property Details

APN / Parcel Number

Primary APN	`82-46411-0516`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	5 Rooms
Building Area	1,084 sqft Living Area

Exterior

Year Built	Built 1978
Effective Year Built	Effective 1978
Architectural Style	Bi-Level
Roof Material	Asphalt
Lot Area	15,682 sqft (0.36 acres)
Lot Width	103 ft Width
Garage Area	612 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC

Location & Zoning

Street Address	817 CUMMINGS LN
City	SAINT CLOUD
State	MN
Zip	56301-5945
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 009 BLK 001 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	1
Legal Lot Number	9
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2013
Census Tract	304

Owner

Source: Stearns County records, as of July 30, 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	817 CUMMINGS LN, SAINT CLOUD, MN 56301-5945
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Record Updated	Sep 20, 2026

May 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	May 21, 2026
Property Address	817 CUMMINGS LN, SAINT CLOUD, MN 56301-5945
Document Number	0001713477
Instrument Date	May 9, 2026
Instrument	20261713477
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	CUNA MUTUAL GROUP

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	817 CUMMINGS LN, SAINT CLOUD, MN 56301-5945

Mortgage

Document Number	0001713477,
Date	May 21, 2026
Instrument	20261713477

Lender

Name	ENTRUST FINANCIAL CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	60 Months
Due	May 27, 2031

Interest

Rate	6.37%
Max Rate	-1%

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	$2,986.00 (+32.95%)	$234,300 (+4.13%) Land $40,000 Building $194,300	$234,300 (+4.13%) Land $40,000 Building $194,300
2025		$225,000 (+8.07%) Land $40,000 Building $185,000	$225,000 (+8.07%) Land $40,000 Building $185,000
2023	$2,246.00	$208,200 Land $40,000 Building $168,200	$208,200 Land $40,000 Building $168,200

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

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 35

May also be available: Intrepid Fiber Networks, Verizon.

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