Benton County property record for 977 45th Ave NE, Saint Cloud, MN 56304
| Property Type | Multi-Family Dwellings |
|---|---|
| Lot Size | 0.125 acres (5,450 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $406,500 (Feb 2026) |
| Tax Bill | $302 (2026) |
| Deeds & Mortgages | Feb 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02478.00 |
| Primary APN | 17.02478.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 5,450 sqft (0.125 acres) |
| Street Address | 977 45TH AVE NE |
|---|---|
| City | SAINT CLOUD |
| State | MN |
| Zip | 56304-4666 |
| Property Category | Residential |
| Property Type | Residential > Multi-Unit > Multi-Family Dwellings |
| Legal Description | SECT-28 TWP-036 RANGE-030 WHISPERING MEADOWS LOT-005 BLOCK-002 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 28 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Block | 2 |
| Legal Lot Number | 5 |
| 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 | 977 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Feb 19, 2026 · Amount on Record |
| Deed Sale | Feb 19, 2026 · Amount on Record |
| Deed Document Number | 2026481910 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Feb 19, 2026 |
| Property Address | 977 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000481910 |
| Instrument Date | Feb 18, 2026 |
| Instrument | 481910 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Mar 9, 2026 |
| Title Company | RESULTS TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $1,341.45 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 977 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000481911 |
|---|---|
| Date | Feb 19, 2026 |
| Instrument | 481911 |
| Name | EVERETT FINANCIAL INC |
|---|---|
| Type | Funding / Finance Company |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Mar 1, 2056 |
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 | $302.00 (+12.69%) | $402,700 (+2,584.67%) Land $30,000 Building $372,700 | $402,700 (+2,584.67%) Land $30,000 Building $372,700 |
| 2025 | $268.00 (-2.9%) | $15,000 (-) Land $15,000 | $15,000 (-) Land $15,000 |
| 2023 | $276.00 | $15,000 Land $15,000 | $15,000 Land $15,000 |
Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.
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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