County - Minnesota. Visit Our Website! Resource & Relocation Guide

Transcription

1 County - Minnesota Visit Our Website! Resource & Relocation Guide

2 Mention This Ad When You Call 1

3 Table Of Contents 4-5 Newcomer Information 7 Health & Hospitals 8 Local Education 11 Things To Do 12 State Information 13 County History Stearns County Map St. Cloud City Map 18 Home Buyer Information 21 Buyer Mistakes 23 How Much Can You Afford 25 Tips to Selling Your Home 26 Packing Tips 27 Moving Checklist 28 Homefinder Notepad Skyline Publishing Project Coordinator: Vic Fendley Ad Designer: Linda Swindler Book Designer: Asha Bohannon 2 3

4 4 5 Newcomer Information Post Offices US Post Office 117 W. Ash St. St. Joseph, MN (320) US Post Office 915 2nd St. N. St. Cloud, MN (800) US Post Office 211 W. James St. Paynesville, MN (320) Police Stearns County Sheriff Courthouse Sq. St. Cloud, MN - (320) Fire US Post Office nd St. N. Sauk Rapids, MN (320) Courthouse US Post Office 254 2nd Ave. S. Waite Park, MN (320) US Post Office 312 Central Ave. S. Richmond, MN (320) Stearns County Courthouse 705 Courthouse Sq. St. Cloud, MN (320) Cold Springs Police 27 Red River Ave. S. Cold Spring, MN (320) St. Cloud Police th Ave. N. St. Cloud, MN (320) Waite Park Police 19 13th Ave. N. Waite Park, MN (320) Clearwater Fire 605 County Rd. 75 N.W. Clearwater, MN (320) Cold Spring Fire 27 Red River Ave. S. Cold Spring, MN (320) Sartell Fire 220 4th Ave. S. Sartell, MN (320) Utilities Albany Water Department (320) Stearns Electric (320) AT&T (320) St. Cloud Fire th Ave. N. St. Cloud, MN (320) St. Cloud Public Utilities (320) Waite Park Public Works (320) Xcel Energy (800) T-Mobile (320) Verizon (320) Waite Park Fire 19 13th Ave. N. Waite Park, MN (320)

5 Health & Hospitals Stearns County Health Department 3301 County Rd. 138 Waite Park, MN (320) Dial 911for Emergencies CentraCare Health Melrose Hospital 525 Main St. W. Melrose, MN (320) St. Cloud Hospital th Ave. N. St. Cloud, MN (320) CentraCare Health Sauk Centre Hospital 425 Elm St. N. Sauk Centre, MN (320)

6 8 9 Local School Districts Albany School District (320) Melrose School District (320) Sauk Centre School District (320) Belgrade-Brooten-Elrosa School District (320) Holdingford School District (320) Kimball School District (320) Paynesville School District (320) Rocori School District (320) Sartell School District (320) St. Cloud School District (320) West Central Education District (320) When Registering Your Children For School, Please Remember To Bring: Current Immunization Record & Birth Certificate Name & Address Of Last School Attended Last Report Card & Any Scores Obtained From Standardized Tests Colleges & Universities Rasmussen College 226 Park Ave. S. St. Cloud, MN (320) St. Cloud State University 720 4th Ave. S. St. Cloud, MN (320) St. Cloud Tech. & Community College 1540 Northway Dr. St. Cloud, MN (320) St. John's University 2850 Abbey Pl. Collegeville, MN (320)

7 10 11 Stearns County Bendedicta Arts Center College of Saint Benedict 37 S. College Ave. - St. Joseph, MN (320) Great Theatre 710 Sundial Dr. - Waite Park, MN (320) Hemker Park & Zoo Co Rd 39 - Freeport, MN Opened: 1977 (320) Hill Museum & Manuscript Library Saint John's University 2835 Abbey Plz. - Collegeville, MN (320) Main Street Theatre 319 Main Street S. - Sauk Centre, MN (320) Melrose History Museum 518 E. 2nd Street S. - Melrose, MN (320) Paramount Arts District 913 W. St. Germain St. - St. Cloud, MN (320) Paynesville Area Center 1105 West Main St. - Paynesville, MN (320) Sauk Centre Museum 430 Main Street S. - Sauk Centre, MN (320) Sauk Centre Splash Park 101 Hickman Dr. - Sauk Centre, MN (651) Sinclair Lewis House Museum 812 Sinclair Lewis Ave. - Sauk Centre, MN (320) St. Cloud State Husky Hockey 720 4th Avenue S. - St. Cloud, MN (320) St. Cloud Rivers Edge Convention Center 10 4th Ave. S. - St. Cloud, MN (320) Stearns History Museum rd Avenue S. - St. Cloud, MN (320) so much more!

8 Minnesota The Gopher State A Bit of History The 32nd state to be admitted into the Union, Minnesota is also known as the Land of 10,000 Lakes, but in reality has over 15,000. The State Motto is "L'Etoile du Nord" - The Star of the North. French fur traders were the first Europeans to come to the Minnesota area, during the 1600 s. They met Native American tribes of Anishinaabe, Dakota, Ojibwe, and Sioux. The name Minnesota comes from a Dakota Sioux word that means "cloudy water" or "sky water" and refers to local rivers. The United States did not acquire Minnesota all at once; land east of the Mississippi River had been obtained by the United States at the end of the Revolutionary War, with the signing of the Second Treaty of Paris in Land west of the Mississippi was bought from the French with the Louisiana Purchase in Nearly 60% of Minnesota s population live in the Twin Cities of Minneapolis & St. Paul, the center of transportation, business & industry. The port city of Duluth provides timber, grain, iron ore, and many industrial goods to states along the Mississippi River. Long before the first European settlers called it home, Stearns County land was home to several indigenous tribes, including the Ojibwa, Dakota, Sioux and Chippewa. Stearns County borders the Mississippi River, the largest waterway in Minnesota, and was included in many explorers' travels, including the Lewis and Clark expedition in Several more explorers came to this area during the mid-1800's, and fur trading posts were established. The County Seat, St. Cloud, traces its roots back to 1853, and settlements then followed along the Watab and Sauk Rivers in Le Sauk and St. Joseph townships. Capital: St. Paul Population: 4,919,479 State Bird: Common Loon State Flower: Pink & White Lady s Slipper State Tree: Red (Norway) Pine State Song: Hail Minnesota - State Facts - State Insect: Monarch butterfly Highest Point: Eagle Mountain 2,301 ft. Area: 87,014 sq mi Largest City: Minneapolis Entered the Union: May 11, 1858 Top Industries: Farming, Mining The first large influx of immigrants, most of German Catholic descent, began to arrive in the 1850's, and some settled in St. Cloud while others settled in St. Wendel, St. Joseph, St. Augusta, Wakefield and Collegeville townships. Early arrivals came from eastern states as well as directly from Germany. There were craftsmen who pursued their former occupations, but the majority were farmers. Because wheat and other cash crops thrived in the rich Central Minnesota soil, the county's reputation for good farmland spread quickly, and by the beginning of the 20th century, the county's population had grown to 44,

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13 How much House Can You Afford? How much you can afford is determined by a relatively simple formula. Lenders generally figure that no more than 28 percent of your income should be for total housing costs. In addition, they require that your total monthly debt be less than 36 percent of your income. (Note: These are general numbers. Other loan programs may allow higher percentages.) For example, if you make $48,000 a year, divided by 12 months, your monthly income is $4,000. (Remember, that s $48,000 in gross pay, before federal and state taxes are removed.) Twenty-eight percent of $4,000 is $1,120. That is the most you can make in a monthly mortgage, taxes, and insurance payments. Generally, to qualify, the self-employed buyer must have been self-employed in the same line of work for at least 24 months before applying for a loan. Lenders use your net income, the figure at the bottom of schedule C of your federal income tax form, to decide how large a mortgage you can carry. But they don t look at what you earn now or what you made last year. Rather lenders figure the monthly average of your income over the past 24 months. Also, overtime pay & bonuses sometimes may not be figured into your average income. Don t forget that points, closing costs & other out-of-the-pocket expenses probably will come out to about one percent of the mortgage amount

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15 26 27 Packing Strategies Supplies: Preparing to move: A strategy for packing: Packing for efficiency: - -

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