822 7th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 822 7th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 2 ba · 1,509 sqft · built 1890
Lot Size	0.19 acres (8,276 sqft)
Owner	2 Individual Names on Record
Last Sale	$245,000 (Apr 2026)
Tax Bill	$2,520 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Feb 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`82-48153-0000`

Property Details

APN / Parcel Number

Primary APN	`82-48153-0000`

Interior

Bedrooms	3 Beds
Full Baths	2 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,509 sqft Living Area
1st Floor Area	1,068 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1890
Effective Year Built	Effective 1890
Exterior Material	Stucco
Roof Material	Asphalt
Lot Area	8,276 sqft (0.19 acres)
Lot Width	66 ft Width
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	None
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	822 7TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-2904
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOT 002 BLK 094 LOWRY'S ADD SECTION 11 TOWNSHIP 124 RANGE 028 SECTION 11 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	11
Legal Subdivision	LOWRYS ADD
Legal Block	94
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	4
Census Block	4007
Census Tract	801

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	822 7TH AVE N, SAINT CLOUD, MN 56303-2904
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 29, 2026	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE AFFINITY LLC
Feb 22, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Apr 29, 2026 · Amount on Record
Deed Sale	Apr 29, 2026 · Amount on Record
Prior Sale	Dec 23, 2022 · Amount on Record
Deed Document Number	20261712205
Record Updated	Oct 29, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 29, 2026
Property Address	822 7TH AVE N, SAINT CLOUD, MN 56303-2904
Document Number	0001712205
Instrument Date	Mar 26, 2026
Instrument	20261712205
Transaction Type	Transfer
Record Updated	Jul 6, 2026
Title Company	BURNET TITLE LLC, BURNET TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$81,658.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	822 7TH AVE N, SAINT CLOUD, MN 56303-2904

Mortgage

Document Number	0001712206,
Date	Apr 29, 2026
Instrument	20261712206

Lender

Name	GUARANTEED RATE AFFINITY LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.22%
Initial Type	Fixed Rate
Max Rate	-1%

February 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 22, 2023
Property Address	822 7TH AVE N, SAINT CLOUD, MN 56303-2904
Document Number	00A1649088
Instrument Date	Dec 23, 2022
Instrument	A1649088
Transaction Type	Transfer
Record Updated	Mar 22, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	822 7TH AVE N, SAINT CLOUD, MN 56303-2904

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	$2,520.00 (+13.11%)	$196,000 (-) Land $30,000 Building $166,000	$196,000 (-) Land $30,000 Building $166,000
2025		$196,000 (-) Land $30,000 Building $166,000	$196,000 (-) Land $30,000 Building $166,000
2023	$2,228.00	$196,000 Land $30,000 Building $166,000	$196,000 Land $30,000 Building $166,000

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
Nearby Flood Claims	3 (1979–1997)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Apr 1997 · Severe Flooding, High Winds,severe Storms

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	Not rated no burnable land within 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 546 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Intrepid Fiber Networks Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
CenturyLink DSL	140 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Verizon.

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