828 28th Ave N, Saint Cloud, MN 56303 Property Records

Stearns County property record for 828 28th Ave N, Saint Cloud, MN 56303

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,080 sqft · built 1958
Lot Size	0.26 acres (11,326 sqft)
Owner	Individual Name on File
Last Sale	$233,000 (Jun 2026)
Tax Bill	$2,618 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`82-49880-0000`

Property Details

APN / Parcel Number

Primary APN	`82-49880-0000`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	1,080 sqft Living Area
Interior Walls	Plaster

Exterior

Year Built	Built 1958
Effective Year Built	Effective 1958
Exterior Material	Stone
Roof Material	Asphalt
Lot Area	11,326 sqft (0.26 acres)
Lot Width	90 ft Width
Garage Area	352 sqft
Parking Spaces	1 Parking Space

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	HVAC
Heating Fuel	Gas

Location & Zoning

Street Address	828 28TH AVE N
City	SAINT CLOUD
State	MN
Zip	56303-2324
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R1
Legal Description	LOTS 20 & 21 BLK 6 PAN REALTY CO ADD SECTION 10 TOWNSHIP 124 RANGE 028 PAN REALTY CO ADD SECTION 10 TOWNSHIP 124 RANGE 028
Legal Range	28W
Legal Township	124
Legal Section	10
Legal Subdivision	PAN REALTY CO ADD
Legal Block	6
Legal Lot Number	20-21
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	3
Census Block	3012
Census Tract	701

Owner

Source: Stearns County assessment roll, as of November 6, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Mailing Address	828 28TH AVE N, SAINT CLOUD, MN 56303-2324
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jun 22, 2026 · Amount on Record
Deed Sale	Jun 22, 2026 · Amount on Record
Deed Document Number	20261715503
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 22, 2026
Property Address	828 28TH AVE N, SAINT CLOUD, MN 56303-2324
Document Number	0001715503
Instrument Date	Jun 12, 2026
Instrument	20261715503
Transaction Type	Transfer
Record Updated	Jul 21, 2026
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$77,658.90
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	828 28TH AVE N, SAINT CLOUD, MN 56303-2324

Mortgage

Document Number	0001715504,
Date	Jun 22, 2026
Instrument	20261715504

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Mortgage

Document Number	0001715505,
Date	Jun 22, 2026
Instrument	20261715505

Lender

Name	FAIRWAY INDEPENDENT MORTGAGE CORPORATION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	30 Months
Due	Jul 1, 2056

Interest

Rate	6.37%
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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	$2,618.00 (+25.38%)
2025		$201,400 (+4.24%) Land $30,000 Building $171,400	$201,400 (+4.24%) Land $30,000 Building $171,400
2023	$2,088.00	$193,200 Land $30,000 Building $163,200	$193,200 Land $30,000 Building $163,200

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
Nearby Flood Claims	3 (2018–2026)
Claims Outside the SFHA	3 of 3
Most Recent Claim	Jul 2026 · rainfall accumulation

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

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

Provider	Max Down / Up (Mbps)
BIF IV Intrepid HoldCo Fiber	2,000 / 2,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Consolidated Communications.

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