Stearns County property record for 821 Cummings Ln, Saint Cloud, MN 56301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 964 sqft · built 1980 |
| Lot Size | 0.28 acres (12,197 sqft) |
| Owner | Individual Name on File |
| Last Sale | $140,000 (Nov 2014) |
| Tax Bill | $3,094 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-46411-0514 |
| Primary APN | 82-46411-0514 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 4 Stories |
| Building Area | 964 sqft Living Area |
| Year Built | Built 1980 |
|---|---|
| Effective Year Built | Effective 1980 |
| Exterior Material | Brick |
| Roof Material | Asphalt |
| Lot Area | 12,197 sqft (0.28 acres) |
| Lot Width | 103 ft Width |
| Garage Area | 484 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Street Address | 821 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 008 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 | 8 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2013 |
| Census Tract | 304 |
821 Cummings Ln is owned and occupied by an individual who bought it in November 2014.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 821 CUMMINGS LN, SAINT CLOUD, MN 56301-5945 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 14, 2014 · Amount on File |
| Deed Sale | Nov 14, 2014 · Amount on File |
| Deed Document Number | 2014291658 |
| Record Updated | Sep 20, 2026 |
The 2026 property tax bill for 821 Cummings Ln was $3,094.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,094.00 | $251,000 (+8.28%) Land $40,000 Building $211,000 | $251,000 (+8.28%) Land $40,000 Building $211,000 |
| 2025 | $231,800 Land $40,000 Building $191,800 | $231,800 Land $40,000 Building $191,800 | |
| 2023 | $2,364.00 | $217,600 Land $40,000 Building $177,600 | $217,600 Land $40,000 Building $177,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 821 Cummings Ln in Zone X, an area of minimal flood risk.
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 risk around 821 Cummings Ln 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.
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 |
| 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.
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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