Benton County property record for 951 45th Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.197 acres (8,607 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $387,000 (May 2025) |
| Tax Bill | $4,850 (2026) |
| Deeds & Mortgages | Sep 2022 Transfer Mar 2022 Sale & Mortgage + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02484.00 |
| Primary APN | 17.02484.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 8,607 sqft (0.197 acres) |
| Street Address | 951 45TH AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-4666 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | SECT-28 TWP-036 RANGE-030 WHISPERING MEADOWS LOT-011 BLOCK-002 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 28 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | BENTON MN |
| Township / Civil Division | ST. CLOUD |
| Census Block Group | 2 |
| Census Block | 2065 |
| Census Tract | 20300 |
Source: Benton County records, as of July 16, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 951 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 8, 2022 | Transfer on Death Deed, Transfer |
| Mar 17, 2022 | Warranty Deed, Transfer · Conventional Mortgage BELL BANK |
| Mar 17, 2022 | Warranty Deed, Subdivision Related Transfer EDGEWATER TITLE GROUP LLC |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 1, 2025 · Amount on Record |
| Deed Sale | May 1, 2025 · Amount on Record |
| Prior Sale | Mar 17, 2022 · Amount on Record |
| Deed Document Number | 2025477152 |
| Prior Transfer Date | Sep 7, 2022 |
| Prior Transfer Doc | 0000462737 |
| Record Updated | Sep 20, 2026 |
| Document Type | Transfer on Death Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Sep 8, 2022 |
| Property Address | 951 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000462737 |
| Instrument Date | Sep 7, 2022 |
| Instrument | 462737 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | Transfer Tax Exempt |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Mar 17, 2022 |
| Property Address | 951 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000459409 |
| Instrument Date | Feb 22, 2022 |
| Instrument | 459409 |
| Transaction Type | Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | WATERMARK TITLE AGENCY LLC, WATERMARK TITLE AGENCY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,039.50 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 951 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000459410 |
|---|---|
| Date | Mar 17, 2022 |
| Instrument | 459410 |
| Name | BELL BANK |
|---|---|
| Type | Bank |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Apr 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Mar 17, 2022 |
| Property Address | 951 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000459408 |
| Instrument Date | Feb 8, 2022 |
| Instrument | 459408 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 9, 2023 |
| Title Company | EDGEWATER TITLE GROUP LLC |
| Amount | Amount Recorded |
|---|---|
| Tax | $825.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 951 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
Source: Benton County assessment roll, as of July 16, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Benton County |
| Municipality | St. Cloud City |
| Unified School District | Sauk Rapids-Rice Public Schools (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,850.00 (+11.8%) Homeowner's exemption | $312,500 (-) Land $30,000 Building $282,500 | $312,500 (-) Land $30,000 Building $282,500 |
| 2025 | $4,338.00 (+16.24%) Homeowner's exemption | $312,500 (-) Land $30,000 Building $282,500 | $312,500 (-) Land $30,000 Building $282,500 |
| 2023 | $3,732.00 | $312,500 Land $30,000 Building $282,500 | $312,500 Land $30,000 Building $282,500 |
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 July 29, 2019 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 64% of the US · above 64% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.04% annual chance |
| Exposure | Direct burnable vegetation |
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 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
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