Stearns County property record for 818 Cummings Ln, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2.5 ba · 1,205 sqft · built 1969 |
| Lot Size | 0.32 acres (13,939 sqft) |
| Owner | Company Name on File |
| Tax Bill | $3,140 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-46411-0534 |
| Primary APN | 82-46411-0534 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,205 sqft Living Area |
| Year Built | Built 1969 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 13,939 sqft (0.32 acres) |
| Lot Width | 90 ft Width |
| Garage Area | 748 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 818 CUMMINGS LN |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56301-5912 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOT 005 BLK 002 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 | 2 |
| Legal Lot Number | 5 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 304 |
Source: Stearns County assessment roll, APN 82-46411-0534, as of July 30, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Company Name on File |
|---|---|
| Mailing Address | 818 CUMMINGS LN, SAINT CLOUD, MN 56301-5912 |
| Occupancy | Owner Occupied |
| Owner Type | Company |
| Vesting | Trust, Revocable Trust |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
Source: Stearns County assessment roll as of July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,140.00 (+20.96%) | $243,900 (+5.77%) Land $40,000 Building $203,900 | $243,900 (+5.77%) Land $40,000 Building $203,900 |
| 2025 | $230,600 (+4.11%) Land $40,000 Building $190,600 | $230,600 (+4.11%) Land $40,000 Building $190,600 | |
| 2023 | $2,596.00 | $221,500 Land $40,000 Building $181,500 | $221,500 Land $40,000 Building $181,500 |
Source: FEMA National Flood Hazard Layer, Stearns County (27145C), as of September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450003042, as of September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition, as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| 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 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.
Source: FCC Broadband Data Collection, 70 locations within half a mile, as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 35 |
May also be available: BIF IV Intrepid HoldCo, Verizon.
Source: EPA Safe Drinking Water Information System, water system MN1730027, as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Saint Cloud serves 71,321 people |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Aug 2025 |
| Lead | 3 ppb (2026) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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