818 5th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 818 5th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.246 acres (10,726 sqft)
Owner	Individual Name on File
Last Sale	$185,000 (Nov 2024)
Tax Bill	$1,858 (2025)
Deeds & Mortgages	Mar 2026 Mortgage Jun 2023 Second Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-2350`

Property Details

APN / Parcel Number

Primary APN	`85-401-2350`
Alternative APNs	`85-00401-2350` `42152`

Exterior

Lot Area	10,726 sqft (0.246 acres)

Location & Zoning

Account Number	42152
Street Address	818 5TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1404
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 10 & N 1-2 OF LOT 11, BLK 23
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	23
Legal Lot Number	10,11
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2029
Census Tract	31500

Owner

818 5th Ave SE is owned and occupied by an individual who bought it in November 2024.

Source: Sherburne County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	Individual Name on File
Mailing Address	818 5TH AVE SE, SAINT CLOUD, MN 56304-1404
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Mar 17, 2026	Deed of Trust, Mortgage · Conventional Mortgage CORTRUST MORTGAGE
Jun 15, 2023	Deed of Trust, Mortgage · Stand-Alone Second Mortgage CENTRAL MINNESOTA CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2024 · Amount on File
Deed Sale	Nov 20, 2024 · Amount on File
Prior Sale	Dec 31, 2021 · Amount on File
Deed Document Number	2024976590
Record Updated	Oct 29, 2026

March 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	818 5TH AVE SE, SAINT CLOUD, MN 56304-1404
Transaction Type	Mortgage
Record Updated	Mar 27, 2026

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	818 5TH AVE SE, SAINT CLOUD, MN 56304-1404

Mortgage

Document Number	0000995213
Date	Mar 17, 2026
Instrument	995213

Lender

Name	CORTRUST MORTGAGE
Type	Mortgage Company
Address	SIOUX FALLS, SD 57105

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Apr 1, 2056

June 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	818 5TH AVE SE, SAINT CLOUD, MN 56304-1404
Transaction Type	Mortgage
Record Updated	Jun 28, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000957938
Date	Jun 15, 2023
Instrument	957938

Lender

Name	CENTRAL MINNESOTA CU
Type	Credit Union
Address	MELROSE, MN 56352

Agreement

Type	Stand-Alone Second Mortgage
Amount	Amount on Record
Term	179 Months
Due	May 26, 2038

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 818 5th Ave SE was $1,858 with a homeowner's exemption.

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		$162,400 (+3.7%) Land $40,000 Building $122,400	$162,400 (+3.7%) Land $40,000 Building $122,400
2025	$1,858.00	$156,600 Land $40,000 Building $116,600	$156,600 Land $40,000 Building $116,600
2023	$1,652.00	$154,300 Land $30,000 Building $124,300
2021			$154,300 Land $30,000 Building $124,300

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 818 5th Ave SE in Zone X, an area of minimal flood risk.

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

Wildfire risk around 818 5th Ave SE is low, with a 0.01% annual chance of 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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