906 3rd Ave NE, Saint Joseph, MN 56374 Property Records

Stearns County property record for 906 3rd Ave NE, Saint Joseph, MN 56374

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 976 sqft · built 2004
Lot Size	0.578 acres (25,185 sqft)
Owner	Individual Name on Record
Last Sale	$156,000 (Nov 2008)
Tax Bill	$3,734 (2026)
Deeds & Mortgages	Jul 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`84-53734-0288`

Property Details

APN / Parcel Number

Primary APN	`84-53734-0288`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	10 Rooms
Stories	1 Story
Building Area	976 sqft Living Area
Gross Area	1,526 sqft
1st Floor Area	912 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2004
Effective Year Built	Effective 2004
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	25,185 sqft (0.578 acres)
Lot Dimensions	146 ft deep x 92 ft wide
Garage Type	Attached
Garage Area	1,248 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	906 3RD AVE NE
City	SAINT JOSEPH
State	MN
Zip	56374-7000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 004 BLK 002 NORTHLAND PLAT SEVEN SECTION 03 TOWNSHIP 124 RANGE 029 SECTION 03 TOWNSHIP 124 RANGE 029
Legal Range	29W
Legal Township	124
Legal Section	03
Legal Subdivision	NORTHLAND PLAT SEVEN
Legal Block	2
Legal Lot Number	4
Jurisdiction	STEARNS MN
Township / Civil Division	ST. JOSEPH
Census Block Group	2
Census Block	2022
Census Tract	11308

Owner

Source: Stearns County records, as of June 29, 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	Individual Name on Record
Mailing Address	906 3RD AVE NE, SAINT JOSEPH, MN 56374-7000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 20, 2008 · Amount on Record
Deed Sale	Nov 20, 2008 · Amount on Record
Prior Sale	Apr 2, 2004 · Amount on Record
Deed Document Number	2008671383
Record Updated	Sep 20, 2026

July 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 1, 2026
Property Address	906 3RD AVE NE, SAINT JOSEPH, MN 56374-7000
Document Number	0001716150
Instrument Date	Jun 25, 2026
Instrument	20261716150
Transaction Type	Transfer
Record Updated	Jul 23, 2026
Title Company	ANCONA TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$96,323.70
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	906 3RD AVE NE, SAINT JOSEPH, MN 56374-7000

Mortgage

Document Number	0001716151,
Date	Jul 1, 2026
Instrument	20261716151

Lender

Name	PLAZA HOME MORTGAGE INC

Agreement

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

Interest

Rate Type	Fixed Rate
Rate	6.51%
Initial Type	Fixed Rate
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. Joseph City
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,734.00 (+15.89%)
2025		$269,000 (+15.25%) Land $44,600 Building $224,400	$269,000 (+15.25%) Land $44,600 Building $224,400
2023	$3,222.00	$233,400 Land $44,600 Building $188,800	$233,400 Land $44,600 Building $188,800

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

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

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 89% 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 Joseph serves 7,100 people · EPA ID MN1730033
Water Source	Groundwater
Last State Inspection	Mar 2025
Lead	5 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 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 112 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Spectrum Cable	1,000 / 1,000
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20