Stearns County property record for 1609 1st St N, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 1,499 sqft · built 2005 |
| Lot Size | 0.482 acres (20,996 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $308,000 (Aug 2016) |
| Tax Bill | $4,934 (2026) |
| Deeds & Mortgages | Jun 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29441-0042 |
| Primary APN | 48-29441-0042 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,499 sqft Living Area |
| Gross Area | 2,169 sqft |
| 1st Floor Area | 1,499 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2005 |
|---|---|
| Effective Year Built | Effective 2005 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 20,996 sqft (0.482 acres) |
| Garage Type | Attached |
| Garage Area | 660 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 1609 1ST ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-1017 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 004 BLK 005 MAPLE RIDGE SECTION 21 TOWNSHIP 123 RANGE 030 SECTION 21 TOWNSHIP 123 RANGE 030 |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 21 |
| Legal Subdivision | MAPLE RIDGE |
| Legal Block | 5 |
| Legal Lot Number | 4 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 2 |
| Census Block | 2011 |
| Census Tract | 11302 |
Source: Stearns County records, as of July 1, 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 Record |
|---|---|
| Mailing Address | 1609 1ST ST N, COLD SPRING, MN 56320-1017 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Aug 24, 2016 · Amount on Record |
| Deed Sale | Aug 24, 2016 · Amount on Record |
| Prior Sale | Apr 26, 2006 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jun 30, 2026 |
| Property Address | 1609 1ST ST N, COLD SPRING, MN 56320-1017 |
| Document Number | 0001716092 |
| Instrument Date | Jun 26, 2026 |
| Instrument | 20261716092 |
| Transaction Type | Transfer |
| Record Updated | Jul 23, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $148,318.50 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 1609 1ST ST N, COLD SPRING, MN 56320-1017 |
| Document Number | 0001716093, |
|---|---|
| Date | Jun 30, 2026 |
| Instrument | 20261716093 |
| Name | PENNYMAC LOAN SERVICES LLC |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 1, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.36% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $4,934.00 (+18.72%) | ||
| 2025 | $406,800 (+11.27%) Land $56,900 Building $349,900 | $406,800 (+11.27%) Land $56,900 Building $349,900 | |
| 2023 | $4,156.00 | $365,600 Land $56,900 Building $308,700 | $365,600 Land $56,900 Building $308,700 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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.
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.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 51 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 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T Fixed Wireless | 100 / 20 |
May also be available: Arvig, Verizon.
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