903 12th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 903 12th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.164 acres (7,151 sqft)
Owner	2 Individual Names on File
Last Sale	$134,000 (Mar 2018)
Tax Bill	$2,792 (2025)
Deeds & Mortgages	Nov 2020 Mortgage Mar 2018 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-9205`

Property Details

APN / Parcel Number

Primary APN	`85-401-9205`
Alternative APNs	`85-00401-9205` `42504`

Exterior

Lot Area	7,151 sqft (0.164 acres)

Location & Zoning

Account Number	42504
Street Address	903 12TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1534
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 1, BLK 92
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	92
Legal Lot Number	1
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2012
Census Tract	31500

Owner

903 12th Ave SE is owned and occupied by two individuals who bought it in March 2018.

Source: Sherburne County records, as of September 15, 2026

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Owner of Record	2 Individual Names on File
Mailing Address	903 12TH AVE SE, SAINT CLOUD, MN 56304-1534
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Nov 13, 2020	Deed of Trust, Mortgage · Conventional Mortgage AMERICAN HERITAGE NATL BANK
Mar 14, 2018	Warranty Deed, Transfer · Conventional Mortgage GUARANTEED RATE

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2018 · Amount on File
Deed Sale	Mar 14, 2018 · Amount on File
Prior Sale	Jan 30, 1998 · Amount on File
Deed Document Number	2018853180
Record Updated	Oct 29, 2026

November 2020: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	903 12TH AVE SE, SAINT CLOUD, MN 56304-1534
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000905149
Date	Nov 13, 2020
Instrument	905149

Lender

Name	AMERICAN HERITAGE NATL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Dec 1, 2050

Interest

Rate Type	Fixed Rate

March 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Mar 14, 2018
Property Address	903 12TH AVE SE, SAINT CLOUD, MN 56304-1534
Document Number	0000853180
Instrument Date	Mar 1, 2018
Instrument	853180
Transaction Type	Transfer
Record Updated	Apr 2, 2018
Title Company	BURNET TITLE LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$442.20
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	903 12TH AVE SE ST CLOUD MN 563041534, ST CLOUD, MN 56304-1534

Mortgage

Document Number	853181
Date	Mar 14, 2018
Instrument	853181

Lender

Name	GUARANTEED RATE
Address	CHICAGO, IL 60613

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Mar 13, 2048

Tax Assessment & Valuation

The 2025 property tax bill for 903 12th Ave SE was $2,792 with a homeowner's exemption.

Source: Sherburne County assessment roll, as of September 15, 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne 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		$224,200 (+4.09%) Land $40,000 Building $184,200	$224,200 (+4.09%) Land $40,000 Building $184,200
2025	$2,792.00	$215,400 Land $40,000 Building $175,400	$215,400 Land $40,000 Building $175,400
2023	$2,272.00	$212,000 Land $30,000 Building $182,000
2021			$212,000 Land $30,000 Building $182,000

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 903 12th Ave SE in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective November 16, 2011

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

Wildfire risk around 903 12th Ave SE 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.

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

Provider	Max Down / Up (Mbps)
CenturyLink Fiber	8,000 / 8,000
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

May also be available: T-Mobile.

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