15 10th Ave S, Cold Spring, MN 56320 Property Records

Stearns County property record for 15 10th Ave S, Cold Spring, MN 56320

Property Summary

Property Type	Triplex
Details	4 bd · 2 ba · 960 sqft · built 1989
Lot Size	0.18 acres (7,841 sqft)
Owner	Company Name on Record
Last Sale	$235,000 (Apr 2026)
Tax Bill	$4,374 (2026)
Deeds & Mortgages	Apr 2026 Sale & Mortgage Dec 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-29119-0000`

Property Details

APN / Parcel Number

Primary APN	`48-29119-0000`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	960 sqft Living Area
Gross Area	1,632 sqft
1st Floor Area	960 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1989
Effective Year Built	Effective 1991
Architectural Style	Triplex
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,841 sqft (0.18 acres)
Lot Dimensions	166 ft deep x 76 ft wide
Garage Type	Attached
Garage Area	672 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Wall Unit
Heating System	Hot Water

Location & Zoning

Street Address	15 10TH AVE S
City	COLD SPRING
State	MN
Zip	56320-2128
Property Category	Residential
Property Type	Residential > Multi-Unit > Triplex
Legal Description	.18 A. PART OF NW4NW4: BEG 605' S & 33' N83D W FROM NE COR -N 178' - W 127' TO SE CORNER OF LOT 14 BLK 2 WESTWOOD EST - S83D
Legal Range	30W
Legal Township	123
Legal Section	22
Legal Subdivision	WESTWOOD ESTATES
Legal Block	2
Legal Lot Number	14
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2045
Census Tract	11302

Owner

Source: Stearns County records, as of July 7, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Company Name on Record
Mailing Address	20665 COUNTY ROAD 2, COLD SPRING, MN 56320-9743
Owner Type	Company
Vesting	Limited Liability Partnership

Deeds, Mortgages & Sale History

Date	Document
Apr 9, 2026	Warranty Deed, Transfer · Conventional Mortgage BANKVISTA
Dec 15, 2022	Quit Claim Deed, Transfer Quitclaim
Dec 6, 2022	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Apr 9, 2026 · Amount on Record
Deed Sale	Apr 9, 2026 · Amount on Record
Prior Sale	Nov 18, 2022 · Amount on Record
Deed Document Number	20261711045
Record Updated	Sep 20, 2026

April 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 9, 2026
Property Address	15 10TH AVE S, COLD SPRING, MN 56320-2128
Document Number	0001711045
Instrument Date	Apr 7, 2026
Instrument	2026.1711045
Transaction Type	Transfer
Record Updated	May 6, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$78,325.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Limited Liability Partnership
Address	20665 COUNTY ROAD 2, COLD SPRING, MN 56320-9743
Investor	Possibly a Property Investor

Mortgage

Document Number	0001711045,
Date	Apr 9, 2026
Instrument	2026.1711045

Lender

Name	BANKVISTA

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 7, 2036

Interest

Rate Type	Adjustable Rate
Rate	5.98%
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 15, 2022
Property Address	15 10TH AVE S, COLD SPRING, MN 56320-2128
Document Number	00A1646075
Instrument Date	Dec 8, 2022
Instrument	A1646075
Transaction Type	Transfer
Record Updated	Jan 17, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 6, 2022
Property Address	15 10TH AVE S, COLD SPRING, MN 56320-2128
Document Number	00A1645609
Instrument Date	Nov 18, 2022
Instrument	A1645609
Transaction Type	Transfer
Record Updated	Jan 17, 2023

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	23213 COUNTY ROAD 9, RICHMOND, MN 56368-8041

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	$4,374.00 (+6.84%)
2025		$245,200 (+3.24%) Land $42,400 Building $202,800	$245,200 (+3.24%) Land $42,400 Building $202,800
2023	$4,094.00	$237,500 Land $42,400 Building $195,100	$237,500 Land $42,400 Building $195,100

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.

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