830 Cummings Ln, Saint Cloud, MN 56301 Property Records

Stearns County property record for 830 Cummings Ln, Saint Cloud, MN 56301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.5 ba · 1,305 sqft · built 1967
Lot Size	0.79 acres (34,412 sqft)
Owner	Company Name on Record
Last Sale	$29,575 (Aug 2018)
Tax Bill	$4,624 (2026)
Deeds & Mortgages	Apr 2026 Line of Credit Nov 2023 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`82-46411-0526`

Property Details

APN / Parcel Number

Primary APN	`82-46411-0526`

Interior

Bedrooms	2 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Total Rooms	4 Rooms
Stories	1 Story
Building Area	1,305 sqft Living Area
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1967
Effective Year Built	Effective 1967
Exterior Material	Brick
Roof Material	Asphalt
Lot Area	34,412 sqft (0.79 acres)
Lot Width	44 ft Width
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC

Location & Zoning

Street Address	830 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	LOTS 1 & 2 LESS E16 1/2' BLK 2 OLD # 30.19622.000 CUMMING ADD TO ST CLOUD SECTION 23 TOWNSHIP 124 RANGE 028 CUMMING ADD TO ST
Legal Range	28W
Legal Township	124
Legal Section	23
Legal Subdivision	CUMMING ADD TO ST CLOUD
Legal Block	2
Legal Lot Number	1-2
Jurisdiction	STEARNS MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2002
Census Tract	304

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	Company Name on Record
Mailing Address	830 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Owner Type	Company
Vesting	Life Tenant

Deeds, Mortgages & Sale History

Date	Document
Apr 28, 2026	Deed of Trust, Mortgage · Line of Credit STATE CLOUD FEDERAL CREDIT UNION
Nov 21, 2023	Warranty Deed, Transfer HOME TOWN TITLE LLC, HOME TOWN TITLE
Aug 21, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Aug 21, 2018 · Amount on Record
Deed Sale	Aug 21, 2018 · Amount on Record
Deed Document Number	20181527309
Last Transfer Date	Feb 19, 2025
Transfer Doc	00A1688230
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 28, 2026
Property Address	830 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Document Number	0001712091
Instrument Date	Apr 17, 2026
Instrument	20261712091
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	ANCONA TITLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Life Tenant, 269

Mortgage

Document Number	0001712091,
Date	Apr 28, 2026
Instrument	20261712091

Lender

Name	STATE CLOUD FEDERAL CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Apr 28, 2046

Interest

Rate	7%
Max Rate	-1%

November 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 21, 2023
Property Address	830 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Document Number	00A1663796
Instrument Date	Nov 17, 2023
Instrument	A1663796
Transaction Type	Transfer
Record Updated	Dec 19, 2023
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	830 CUMMINGS LN, SAINT CLOUD, MN 56301-5912

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 21, 2018
Property Address	830 CUMMINGS LN, SAINT CLOUD, MN 56301-5912
Document Number	00A1527309
Instrument Date	Aug 17, 2018
Instrument	A1527309
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	830 CUMMINGS LN, SAINT CLOUD, MN 56301-5912

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	$4,624.00 (+24.97%)	$346,800 (+6.02%) Land $45,000 Building $301,800	$346,800 (+6.02%) Land $45,000 Building $301,800
2025		$327,100 (+4.27%) Land $45,000 Building $282,100	$327,100 (+4.27%) Land $45,000 Building $282,100
2023	$3,700.00	$313,700 Land $45,000 Building $268,700	$313,700 Land $45,000 Building $268,700

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

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	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 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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