1103 2nd St N, Cold Spring, MN 56320 Property Records

Stearns County property record for 1103 2nd St N, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,586 sqft · built 1996
Lot Size	0.248 acres (10,800 sqft)
Owner	Individual Name on Record
Last Sale	$325,000 (Jun 2022)
Tax Bill	$4,146 (2026)
Deeds & Mortgages	Apr 2026 Mortgage Jun 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29622-0042`

Property Details

APN / Parcel Number

Primary APN	`48-29622-0042`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,586 sqft Living Area
Gross Area	1,976 sqft
1st Floor Area	1,554 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,800 sqft (0.248 acres)
Lot Dimensions	80 ft deep x 135 ft wide
Garage Area	448 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	1103 2ND ST N
City	COLD SPRING
State	MN
Zip	56320-1064
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLK 002 MEADOW VIEW ADD PLAT 6 SECTION 15 TOWNSHIP 123 RANGE 030 SECTION 15 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	15
Legal Subdivision	MEADOW VIEW ADD PLAT 6
Legal Block	2
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2014
Census Tract	11302

Owner

Source: Stearns County records, as of May 1, 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	1103 2ND ST N, COLD SPRING, MN 56320-1064
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · Conventional Mortgage ROCKET MORTGAGE LLC
Jun 13, 2022	Warranty Deed, Transfer MISC COMPANY

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 6, 2022 · Amount on Record
Deed Sale	Jun 6, 2022 · Amount on Record
Prior Sale	Nov 4, 1996
Deed Document Number	20221422451
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 8, 2026
Property Address	1103 2ND ST N, COLD SPRING, MN 56320-1064
Document Number	0001710954
Instrument Date	Apr 2, 2026
Instrument	20261710954
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 2ND ST N, COLD SPRING, MN 56320-1064

Mortgage

Document Number	0001710954,
Date	Apr 8, 2026
Instrument	20261710954

Lender

Name	ROCKET MORTGAGE LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6%
Initial Type	Fixed Rate
Max Rate	-1%

June 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 13, 2022
Property Address	1103 2ND ST N, COLD SPRING, MN 56320-1064
Document Number	00A1634420
Instrument Date	Jun 6, 2022
Instrument	A1634420
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	1103 2ND ST N, COLD SPRING, MN 56320-1064

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cold Spring City
County	Stearns County
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,146.00 (+13.59%)
2025		$347,900 (+3.51%) Land $42,400 Building $305,500	$347,900 (+3.51%) Land $42,400 Building $305,500
2023	$3,650.00	$336,100 Land $42,400 Building $293,700	$336,100 Land $42,400 Building $293,700

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 September 29, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

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

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

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cold Spring serves 4,201 people · EPA ID MN1730006
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 270 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: Arvig, AT&T, GigFire, Intrepid Fiber Networks, Verizon.

Nearby Properties on 2nd St N

Nearby Streets

Search Property Records by Address or Parcel Number

Search by:

By searching, you agree to: Terms • Privacy • Disclosures