12506 Co Rd 165, Cold Spring, MN 56320 Property Records

Stearns County property record for 12506 Co Rd 165, Cold Spring, MN 56320

Property Summary

Property Type	Rural Home
Details	3 bd · 2.5 ba · 1,692 sqft · built 1996
Lot Size	15 acres (653,400 sqft)
Owner	2 Individual Names on File
Last Sale	$56,000 (Dec 2002)
Tax Bill	$4,368 (2026)
Flood Zone	Zone X (minimal risk)
APN	`20-11432-0050`

Property Details

APN / Parcel Number

Primary APN	`20-11432-0050`

Interior

Bedrooms	3 Beds
Full Baths	2.5 Baths
Half Baths	1 Half Bath
Total Rooms	11 Rooms
Stories	1 Story
Building Area	1,692 sqft Living Area
Gross Area	2,707 sqft
1st Floor Area	1,692 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2000
Architectural Style	Ranch
Exterior Material	Brick
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	653,400 sqft (15 acres)
Garage Type	Attached
Garage Area	844 sqft
Parking Spaces	3 Parking Spaces
Lean-To	720 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	12506 COUNTY ROAD 165
City	COLD SPRING
State	MN
Zip	56320-8711
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	15.00 A. E 900' OF S 726' OF SE4SE4 SECTION 06 TOWNSHIP 122 RANGE 029 SECTION 06 TOWNSHIP 122 RANGE 029
Legal Range	29W
Legal Township	122
Legal Section	06
Jurisdiction	STEARNS MN
Township / Civil Division	MAINE PRAIRIE
Census Block Group	1
Census Block	1008
Census Tract	11201

Owner

12506 Co Rd 165, a rural home, is owned and occupied by two individuals who bought it in December 2002.

Source: Stearns County records, as of April 21, 2026

Owner of Record	2 Individual Names on File
Mailing Address	12506 COUNTY ROAD 165, COLD SPRING, MN 56320-8711
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 12, 2002 · Amount on File
Deed Sale	Dec 12, 2002 · Amount on File
Prior Sale	Dec 28, 1994 · Amount on File
Record Updated	Jun 8, 2026

Tax Assessment & Valuation

The 2026 property tax bill for 12506 Co Rd 165 was $4,368 with a homeowner's exemption.

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

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Maine Prairie Township
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,368.00
2025		$675,900 Land $146,600 Building $529,300	$675,900 Land $146,600 Building $529,300
2023	$3,748.00	$612,300 Land $138,600 Building $473,700	$612,300 Land $138,600 Building $473,700

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 12506 Co Rd 165 in Zone X, an area of minimal flood risk.

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

Wildfire risk around 12506 Co Rd 165 is low, with a 0.01% annual chance of wildfire.

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

Wildfire Risk	Low lower than 94% of the US · lower than 80% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Direct burnable vegetation

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

Internet Providers

Source: FCC Broadband Data Collection, based on 5 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Arvig Fiber	1,000 / 500
GigFire Fixed Wireless	150 / 130