911 11th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 911 11th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Lot Size	0.164 acres (7,151 sqft)
Owner	Individual Name on File
Last Sale	$192,000 (Jul 2022)
Tax Bill	$2,250 (2025)
Deeds & Mortgages	Aug 2022 Sale & Mortgage Jan 2021 Mortgage
Flood Zone	Zone X (minimal risk)
APN	`85-401-8015`

Property Details

APN / Parcel Number

Primary APN	`85-401-8015`
Alternative APNs	`85-00401-8015` `42451`

Exterior

Lot Area	7,151 sqft (0.164 acres)

Location & Zoning

Account Number	42451
Street Address	911 11TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-1528
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 3, BLK 80
Legal Range	31W
Legal Township	35N
Legal Section	01
Legal Subdivision	EAST SAINT CLOUD
Legal Block	80
Legal Lot Number	3
Jurisdiction	SHERBURNE MN
Township / Civil Division	ST. CLOUD
Census Block Group	2
Census Block	2015
Census Tract	31500

Owner

911 11th Ave SE is owned and occupied by an individual who bought it in July 2022.

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

Owner of Record	Individual Name on File
Mailing Address	911 11TH AVE SE, SAINT CLOUD, MN 56304-1528
Occupancy	Owner Occupied
Owner Type	Individual

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

Deeds, Mortgages & Sale History

Date	Document
Aug 4, 2022	Warranty Deed, Transfer · Conventional Mortgage BELL BANK
Jan 14, 2021	Deed of Trust, Mortgage · Conventional Mortgage ST CLOUD FCU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jul 22, 2022 · Amount on File
Deed Sale	Jul 22, 2022 · Amount on File
Prior Sale	Mar 13, 2019 · Amount on File
Deed Document Number	20221443763
Record Updated	Oct 29, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Aug 4, 2022
Property Address	911 11TH AVE SE, SAINT CLOUD, MN 56304-1528
Document Number	0000946491
Instrument Date	Jul 22, 2022
Instrument	946491
Transaction Type	Transfer
Record Updated	Aug 10, 2022
Title Company	EDINA REALTY TITLE, EDINA REALTY TITLE INC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$633.60
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	911 11TH AVE SE, SAINT CLOUD, MN 56304-1528

Mortgage

Document Number	0000946492
Date	Aug 4, 2022
Instrument	946492

Lender

Name	BELL BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Aug 1, 2052

January 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	911 11TH AVE SE, SAINT CLOUD, MN 56304-1528
Transaction Type	Mortgage
Record Updated	Feb 10, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000909910
Date	Jan 14, 2021
Instrument	909910

Lender

Name	ST CLOUD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	312 Months
Due	Jan 1, 2046

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

The 2025 property tax bill for 911 11th Ave SE was $2,250 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		$188,300 (+3.92%) Land $40,000 Building $148,300	$188,300 (+3.92%) Land $40,000 Building $148,300
2025	$2,250.00	$181,200 Land $40,000 Building $141,200	$181,200 Land $40,000 Building $141,200
2023	$1,706.00	$178,400 Land $30,000 Building $148,400
2021			$178,400 Land $30,000 Building $148,400

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

Flood

FEMA maps place 911 11th 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 911 11th 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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