Benton County property record for 983 45th Ave NE, Saint Cloud, MN 56304
| Property Type | Single Family Home |
|---|---|
| Lot Size | 0.164 acres (7,145 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $310,000 (Jun 2022) |
| Tax Bill | $4,304 (2026) |
| Deeds & Mortgages | Sep 2022 Mortgage Jun 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 17.02477.00 |
| Primary APN | 17.02477.00 |
|---|
| Architectural Style | Multi-Family |
|---|---|
| Lot Area | 7,145 sqft (0.164 acres) |
| Street Address | 983 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-004 BLOCK-002 |
| Legal Range | 030 |
| Legal Township | 036 |
| Legal Section | 28 |
| Legal Subdivision | WHISPERING MEADOWS |
| Legal Block | 2 |
| Legal Lot Number | 4 |
| 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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 983 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Sep 15, 2022 | Deed of Trust, Mortgage · Conventional Mortgage NATIONS RELIABLE LENDING LLC |
| Jun 15, 2022 | Warranty Deed, Subdivision Related Transfer LAND TITLE CORPORATION, LAND TITLE INC |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Jun 15, 2022 · Amount on Record |
| Deed Sale | Jun 15, 2022 · Amount on Record |
| Deed Document Number | 2022461187 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BENTON MN |
| Property Address | 983 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Transaction Type | Mortgage |
| Record Updated | Jul 21, 2023 |
| Name | Verified Name |
|---|
| Document Number | 0000462872 |
|---|---|
| Date | Sep 15, 2022 |
| Instrument | 462872 |
| Name | NATIONS RELIABLE LENDING LLC |
|---|---|
| Type | Mortgage Company |
| Address | HOUSTON, TX 77057 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 361 Months |
| Due | Oct 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BENTON MN |
| Recording Date | Jun 15, 2022 |
| Property Address | 983 45TH AVE NE, SAINT CLOUD, MN 56304-4666 |
| Document Number | 0000461187 |
| Instrument Date | May 31, 2022 |
| Instrument | 461187 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 21, 2023 |
| Title Company | LAND TITLE CORPORATION, LAND TITLE INC |
| Amount | Amount Recorded |
|---|---|
| Tax | $1,023.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 983 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 | $4,304.00 (+149.36%) Homeowner's exemption | $281,700 (-) Land $30,000 Building $251,700 | $281,700 (-) Land $30,000 Building $251,700 |
| 2023 | $1,726.00 | $281,700 Land $30,000 Building $251,700 | $281,700 Land $30,000 Building $251,700 |
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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