1403 3rd St N, Cold Spring, MN 56320 Property Records

Stearns County property record for 1403 3rd St N, Cold Spring, MN 56320 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	4 Beds
Bathrooms	2.5 Baths
Year Built	Built 2003
Square Footage	2,144 sqft Living Area
Lot Size	14,194 sqft (0.326 acres)
Occupancy	Owner Occupied
Last Sale	$36,000 (2003)
Tax Bill	$5,762.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`48-29446-0002`

Interior

Bedrooms	4 Beds
Full Baths	2.5 Baths
Partial Baths	1 Partial Baths
Building Area	2,144 sqft Living Area
Gross Area	1,997 sqft Gross Area
1st Floor	864 sqft 1st Floor
Stories	2 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Wallboard/Drywall Interior Structure

Exterior

Year Built	Built 2003
Effective Year Built	Effective 2003
Exterior Material	Wood Siding Exterior
Construction Type	Frame Construction
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	14,194 sqft (0.326 acres)
Parking Spaces	3 Parking Spaces
Garage Area	768 sqft Garage
Pool Area	1 sqft Pool

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	1403 3RD ST N
City	COLD SPRING
State	MN
Zip	56320-1450
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LOT 003 BLK 001 MATTHEW'S ESTATES SECTION 16 TOWNSHIP 123 RANGE 031 SECTION 16 TOWNSHIP 123 RANGE 031
Legal Range	31W
Legal Township	123
Legal Section	16
Legal Subdivision	MATTHEWS ESTATES
Legal Block	1
Legal Lot Number	3
Jurisdiction	STEARNS MN
Minor Civil Division	COLD SPRING
Census Blockgroup	2
Census Block	2011
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29446-0002

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	2 Individual Names on File
Mailing Address	1403 3RD ST N, COLD SPRING, MN 56320-1450
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Sep 05, 2003 · Amount on Record
Deed Sale	Sep 05, 2003 · Amount on Record
Record Refreshed	Sep 20, 2026

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026

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

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	$5,762.00 (+16.12%)	$486,100 (+3.71%) Land $46,200 Building $439,900	$486,100 (+3.71%) Land $46,200 Building $439,900
2025		$468,700 (+10.13%) Land $44,600 Building $424,100	$468,700 (+10.13%) Land $44,600 Building $424,100
2023	$4,962.00	$425,600 Land $44,600 Building $381,000	$425,600 Land $44,600 Building $381,000

Flood & Wildfire

1403 3rd St N is in FEMA Zone X, outside the Special Flood Hazard Area, with direct wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Stearns County (27145C), updated September 29, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 39th in Minnesota
Wildfire Likelihood	Low — about 1 in 5,882 per year
Exposure	Direct burnable vegetation at the parcel

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