Stearns County property record for 910 38th Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 2 ba · 1,128 sqft · built 1968 |
| Lot Size | 0.23 acres (10,019 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $264,500 (Jul 2026) |
| Tax Bill | $3,006 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-49599-0000 |
| Primary APN | 82-49599-0000 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 5 Rooms |
| Stories | 3 Stories |
| Building Area | 1,128 sqft Living Area |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1968 |
|---|---|
| Effective Year Built | Effective 1968 |
| Exterior Material | Metal |
| Roof Material | Asphalt |
| Lot Area | 10,019 sqft (0.23 acres) |
| Lot Width | 80 ft Width |
| Garage Area | 912 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 910 38TH AVE N |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56303-2155 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | R1 |
| Legal Description | LOTS 18 & 19 BLK 15 PAN PARK PLACE ADD SECTION 09 TOWNSHIP 124 RANGE 028 PAN PARK PLACE ADD SECTION 09 TOWNSHIP 124 RANGE 028 |
| Legal Range | 28W |
| Legal Township | 124 |
| Legal Section | 09 |
| Legal Subdivision | PAN PARK PLACE ADD |
| Legal Block | 15 |
| Legal Lot Number | 18-19 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 701 |
Source: Stearns County assessment roll, 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 File |
|---|---|
| Mailing Address | 910 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Tenants in Common |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 10, 2026 · Amount on Record |
| Deed Sale | Jul 10, 2026 · Amount on Record |
| Deed Document Number | 20261716783 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 10, 2026 |
| Property Address | 910 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Number | 0001716783 |
| Instrument Date | Jul 9, 2026 |
| Instrument | 20261716783 |
| Transaction Type | Transfer |
| Record Updated | Jul 30, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $88,157.85 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Address | 910 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Number | 0001716783, |
|---|---|
| Date | Jul 10, 2026 |
| Instrument | 20261716783 |
| Name | STATE CREDIT UNION |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.53% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| Municipality | St. Cloud City |
| Unified School District | St. Cloud Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,006.00 (+23.91%) | $201,300 (-) Land $35,000 Building $166,300 | $201,300 (-) Land $35,000 Building $166,300 |
| 2025 | $201,300 (-) Land $35,000 Building $166,300 | $201,300 (-) Land $35,000 Building $166,300 | |
| 2023 | $2,426.00 | $201,300 Land $35,000 Building $166,300 | $201,300 Land $35,000 Building $166,300 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
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 |
| 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.
Source: FCC Broadband Data Collection, based on 99 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 |
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