Stearns County property record for 1007 1st St S, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1.25 ba · 1,300 sqft · built 1959 |
| Lot Size | 0.38 acres (16,553 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $3,640 (2026) |
| Deeds & Mortgages | Jul 2026 Line of Credit Mar 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29122-0000 |
| Primary APN | 48-29122-0000 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1.25 Baths |
| Half Baths | 1 Half Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,300 sqft Living Area |
| Gross Area | 1,603 sqft |
| 1st Floor Area | 1,300 sqft |
| Flooring | Carpet |
| Interior Walls | Plaster |
| Year Built | Built 1959 |
|---|---|
| Effective Year Built | Effective 1976 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 16,553 sqft (0.38 acres) |
| Lot Dimensions | 166 ft deep x 102 ft wide |
| Garage Type | Attached |
| Garage Area | 776 sqft |
| Parking Spaces | 3 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 120 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1007 1ST ST S |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-2109 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | .38 A. W102' OF E178' OF S 166' OF NW4NW4 N OF HY CITY OF COLD SPRING SECTION 22 TOWNSHIP 123 RANGE 030 COLD SPRING SECTION |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 22 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 2 |
| Census Block | 2045 |
| Census Tract | 11302 |
Source: Stearns County records · APN 48-29122-0000
Assessment roll updated July 30, 2026 · Last verified August 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 File |
|---|---|
| Mailing Address | 1007 1ST ST S, COLD SPRING, MN 56320-2109 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 02, 2026 | Deed of Trust, Mortgage · Line of Credit STATE BANK |
| Mar 13, 2023 | Deed, Transfer |
| Dec 14, 2022 | Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 02, 2026 |
| Property Address | 1007 1ST ST S, COLD SPRING, MN 56320-2109 |
| Document Number | 0001716359 |
| Instrument Date | Jun 22, 2026 |
| Instrument | 20261716359 |
| Transaction Type | Mortgage |
| Record Updated | Jul 24, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 1007 1ST ST S, COLD SPRING, MN 56320-2109 |
| Document Number | 0001716359, |
|---|---|
| Date | Jul 02, 2026 |
| Instrument | 20261716359 |
| Name | STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Jun 22, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Mar 13, 2023 |
| Property Address | 1007 1ST ST S, COLD SPRING, MN 56320-2109 |
| Document Number | 00A1649904 |
| Instrument Date | Mar 10, 2023 |
| Instrument | A1649904 |
| Transaction Type | Transfer |
| Record Updated | Apr 12, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Tenants in Common |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Dec 14, 2022 |
| Property Address | 1007 1ST ST S, COLD SPRING, MN 56320-2109 |
| Document Number | 00A1646030 |
| Instrument Date | Dec 09, 2022 |
| Instrument | A1646030 |
| Transaction Type | Transfer |
| Record Updated | Jan 11, 2023 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,640.00 (+4.78%) | $228,600 (+3.39%) Land $47,600 Building $181,000 | $228,600 (+3.39%) Land $47,600 Building $181,000 |
| 2025 | $221,100 (+6.61%) Land $44,500 Building $176,600 | $221,100 (+6.61%) Land $44,500 Building $176,600 | |
| 2023 | $3,474.00 | $207,400 Land $44,500 Building $162,900 | $207,400 Land $44,500 Building $162,900 |
Source: FEMA National Flood Hazard Layer as of September 29, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Arvig Enterprises, AT&T, BIF IV Intrepid HoldCo, LTD Broadband, Verizon.
Based on FCC filings for 270 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Cold Spring serves 4,201 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2021–2023) 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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