Stearns County property record for 938 38th Ave N, Saint Cloud, MN 56303
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 1,080 sqft · built 1925 |
| Lot Size | 0.12 acres (5,227 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $231,000 (Nov 2025) |
| Tax Bill | $2,670 (2026) |
| Deeds & Mortgages | Nov 2025 Sale Aug 2023 Sale + 2 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 82-49601-0000 |
| Primary APN | 82-49601-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,080 sqft Living Area |
| 1st Floor Area | 744 sqft |
| Interior Walls | Plaster |
| Year Built | Built 1925 |
|---|---|
| Effective Year Built | Effective 1925 |
| Roof Material | Asphalt |
| Lot Area | 5,227 sqft (0.12 acres) |
| Lot Width | 40 ft Width |
| Garage Area | 672 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | HVAC |
|---|---|
| Heating System | HVAC |
| Heating Fuel | Gas |
| Street Address | 938 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 | LOT 026 BLK 015 PAN PARK PLACE ADD SECTION 09 TOWNSHIP 124 RANGE 028 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 | 26 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 1 |
| Census Block | 1007 |
| Census Tract | 701 |
938 38th Ave N is owned and occupied by two individuals who bought it in November 2025.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Nov 6, 2025 | Warranty Deed, Transfer |
| Aug 30, 2023 | Warranty Deed, Transfer RESULTS TITLE |
| May 27, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Oct 4, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Nov 6, 2025 · Amount on File |
| Deed Sale | Nov 6, 2025 · Amount on File |
| Prior Sale | Aug 24, 2023 · Amount on File |
| Deed Document Number | 20251702836 |
| Prior Transfer Date | Sep 26, 2018 |
| Prior Transfer Doc | 00A1530600 |
| Record Updated | Oct 29, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Nov 6, 2025 |
| Property Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Number | 00A1702836 |
| Instrument Date | Oct 31, 2025 |
| Instrument | A1702836 |
| Transaction Type | Transfer |
| Record Updated | Dec 16, 2025 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 30, 2023 |
| Property Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Number | 00A1659222 |
| Instrument Date | Aug 24, 2023 |
| Instrument | A1659222 |
| Transaction Type | Transfer |
| Record Updated | Sep 26, 2023 |
| Title Company | RESULTS TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | May 27, 2022 |
| Property Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Number | 00A1633417 |
| Instrument Date | May 26, 2022 |
| Instrument | A1633417 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount on Record |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Oct 4, 2018 |
| Property Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
| Document Number | 00A1530600 |
| Instrument Date | Sep 26, 2018 |
| Instrument | A1530600 |
| Transaction Type | Transfer |
| Record Updated | Nov 16, 2022 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 938 38TH AVE N, SAINT CLOUD, MN 56303-2155 |
The 2026 property tax bill for 938 38th Ave N was $2,670, up 22.6% from the year before.
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 | $2,670.00 (+22.59%) | $204,600 (-) Land $30,000 Building $174,600 | $204,600 (-) Land $30,000 Building $174,600 |
| 2025 | $2,178.00 Homeowner's exemption | $204,600 Land $30,000 Building $174,600 | $204,600 Land $30,000 Building $174,600 |
| 2023 | $1,946.00 | $188,700 Land $30,000 Building $158,700 | $188,700 Land $30,000 Building $158,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 938 38th Ave N in Zone X, an area of minimal flood risk.
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.
The area around 938 38th Ave N has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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) |
|---|---|
| Intrepid Fiber Networks Fiber | 2,000 / 2,000 |
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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