961 39th Ave SE, Saint Cloud, MN 56304 Property Records

Sherburne County property record for 961 39th Ave SE, Saint Cloud, MN 56304

Property Summary

Property Type	Single Family Home
Details	7 bd · 4 ba · 3,798 sqft · built 1998
Lot Size	10.6 acres (463,478 sqft)
Owner	2 Individual Names on Record
Last Sale	$579,900 (Sep 2023)
Tax Bill	$5,150 (2025)
Deeds & Mortgages	Oct 2023 Line of Credit Sep 2023 Sale & Mortgage + 2 more
Flood Zone	Zone X (minimal risk)
APN	`25-419-0080`

Property Details

APN / Parcel Number

Primary APN	`25-419-0080`
Alternative APNs	`25-00419-0080` `17481`

Interior

Bedrooms	7 Beds
Full Baths	4 Baths
Building Area	3,798 sqft Living Area
1st Floor Area	3,798 sqft
Breakfast Nook	Breakfast Nook
Family Room	Family Room
Utility Room	Utility Room
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	463,478 sqft (10.6 acres)
Driveway	Driveway

Exterior Amenities

Pool Type	Spa / Hot Tub (No Pool)
Porch	Open Porch
Porch Area	366 sqft
Patio Area	503 sqft
Wet Bar	Wet Bar

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace
Heating Fuel	Gas

Location & Zoning

Street Address	961 39TH AVE SE
City	SAINT CLOUD
State	MN
Zip	56304-4635
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	A
Legal Description	TRACT H
Legal Range	30W
Legal Township	35N
Legal Section	04
Legal Subdivision	REGISTERED LAND SURVEY NO 3
Legal Tract	H
Legal Lot Number	H
Jurisdiction	SHERBURNE MN
Township / Civil Division	HAVEN
Census Block Group	1
Census Block	1008
Census Tract	30301

Owner

Source: Sherburne County records, as of April 21, 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 Record
Mailing Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Oct 17, 2023	Deed of Trust, Mortgage · Line of Credit ST CLOUD FCU
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage ST CLOUD FCU
Sep 29, 2023	Warranty Deed, Transfer · Conventional Mortgage ST CLOUD FCU
Jan 25, 2022	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 25, 2023 · Amount on Record
Deed Sale	Sep 25, 2023 · Amount on Record
Prior Sale	Jul 22, 1997 · Amount on Record
Deed Document Number	202362105
Record Updated	Jun 8, 2026

October 2023: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	SHERBURNE MN
Property Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635
Transaction Type	Mortgage
Record Updated	Oct 25, 2023

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0000062173
Date	Oct 17, 2023
Instrument	62173

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 29, 2023
Property Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635
Document Number	0000062106
Instrument Date	Sep 15, 2023
Instrument	62106
Transaction Type	Transfer
Record Updated	Oct 11, 2023
Title Company	QUDARY TITLE, QUARRY TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$1,913.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635

Mortgage

Document Number	0000062100
Date	Sep 26, 2023
Instrument	62100

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year T-Bill
Max Rate	10%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	SHERBURNE MN
Recording Date	Sep 29, 2023
Property Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635
Document Number	0000062106
Instrument Date	Sep 15, 2023
Instrument	62106
Transaction Type	Transfer
Record Updated	Apr 3, 2026
Title Company	QUDARY TITLE, QUARRY TITLE

Transaction

Amount	Amount Recorded
Loan-to-Value (LTV)	LTV on Record
Tax	$1,913.67
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635

Mortgage

Document Number	0000062100
Date	Sep 29, 2023
Instrument	62100

Lender

Name	ST CLOUD FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Oct 1, 2028
Change Frequency	Annually
Min Rate At Change	4.87%
Max Rate At Change	6.87%
Index	1-Year T-Bill
Max Rate	10%

Mortgage

Document Number	0000062173
Date	Oct 17, 2023
Instrument	62173

Lender

Name	ST CLOUD FCU
Type	Credit Union
Address	SAINT CLOUD, MN 56301

Agreement

Type	Line of Credit
Amount	Amount Recorded
Term	240 Months
Due	Oct 28, 2043

Interest

Rate Type	Adjustable Rate
Change Frequency	Monthly

January 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	SHERBURNE MN
Recording Date	Jan 25, 2022
Property Address	961 39TH AVE SE, SAINT CLOUD, MN 56304-4635
Document Number	0000060303
Instrument Date	Jan 10, 2022
Instrument	60303
Transaction Type	Transfer
Record Updated	Oct 11, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1550 45TH AVE SE STE 1, 1, SAINT CLOUD, MN 56304-9634

Tax Assessment & Valuation

Source: Sherburne County assessment roll, as of July 29, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Sherburne County
County Subdivision	Haven Township
Unified School District	St. Cloud Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,150.00 (-12.83%)	$595,400 (-14.91%) Land $186,300 Building $409,100	$595,400 (-14.91%) Land $186,300 Building $409,100
2023	$5,908.00	$699,700 Land $193,700 Building $506,000
2021			$699,700 Land $193,700 Building $506,000

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 November 16, 2011 · 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.

Wildfire

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

Wildfire Risk	Moderate above 50% of the US · above 78% of Minnesota
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 7 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500

May also be available: Verizon.

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