Stearns County property record for 15406 Century Estates Cir, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,862 sqft · built 1992 |
| Lot Size | 1.12 acres (48,787 sqft) |
| Owner | 2 Individual Names on File |
| Tax Bill | $2,428 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-24059-0021 |
| Primary APN | 36-24059-0021 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 3 Rooms |
| Stories | 1 Story |
| Building Area | 1,862 sqft Living Area |
| Gross Area | 2,557 sqft |
| 1st Floor Area | 936 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 1992 |
|---|---|
| Effective Year Built | Effective 2002 |
| Architectural Style | Split Level |
| Exterior Material | Wood Siding |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 48,787 sqft (1.12 acres) |
| Lot Dimensions | 326 ft deep x 100 ft wide |
| Garage Type | Attached |
| Garage Area | 848 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 15406 CENTURY ESTATES CIR |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-9739 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 011 BLK 002 CENTURY ESTATES SECTION 27 TOWNSHIP 123 RANGE 030 SECTION 27 TOWNSHIP 123 RANGE 030 |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 27 |
| Legal Subdivision | CENTURY ESTATES |
| Legal Block | 2 |
| Legal Lot Number | 11 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 1 |
| Census Block | 1032 |
| Census Tract | 11302 |
15406 Century Estates Cir is owned and occupied by two individuals who acquired it in August 1992.
Source: Stearns County records, as of July 30, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 15406 CENTURY ESTATES CIR, COLD SPRING, MN 56320-9739 |
| 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.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 28, 1992 |
| Deed Sale | Aug 28, 1992 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 28, 2026 |
| Property Address | 15406 CENTURY ESTATES CIR, COLD SPRING, MN 56320-9739 |
| Document Number | 0001719942 |
| Instrument Date | Aug 19, 2026 |
| Instrument | 20261719942 |
| Transaction Type | Mortgage |
| Record Updated | Sep 21, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 15406 CENTURY ESTATES CIR, COLD SPRING, MN 56320-9739 |
| Document Number | 0001719942, |
|---|---|
| Date | Aug 28, 2026 |
| Instrument | 20261719942 |
| Name | UNION CREDIT UNION |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount on Record |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
The 2026 property tax bill for 15406 Century Estates Cir was $2,428.
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| County Subdivision | Wakefield Township |
| Unified School District | Rocori Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $2,428.00 | $360,000 (-1.61%) Land $83,900 Building $276,100 | $360,000 (-1.61%) Land $83,900 Building $276,100 |
| 2025 | $365,900 Land $80,200 Building $285,700 | $365,900 Land $80,200 Building $285,700 | |
| 2023 | $3,240.00 | $337,800 Land $71,300 Building $266,500 | $337,800 Land $71,300 Building $266,500 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 15406 Century Estates Cir in Zone X, an area of minimal flood risk, though there have been 3 flood claims nearby since 1997.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 2 in force |
| Nearby Flood Claims | 3 (1997–2009) |
| Claims Outside the SFHA | 1 of 3 |
| Most Recent Claim | Aug 2009 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 15406 Century Estates Cir is low, with a 0.02% annual chance of 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 | 0.02% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 24 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| GigFire Fixed Wireless | 150 / 130 |
May also be available: Arvig, Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures