16905 Big Fish Lake Rd, Cold Spring, MN 56320 Property Records

Stearns County property record for 16905 Big Fish Lake Rd, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 856 sqft · built 1990
Lot Size	1.74 acres (75,763 sqft)
Owner	Individual Name on File
Last Sale	$189,700 (Oct 2019)
Tax Bill	$2,668 (2026)
Deeds & Mortgages	Oct 2023 Transfer Oct 2019 Sale
Flood Zone	Zone X (minimal risk)
APN	`05-03275-0000`

Property Details

APN / Parcel Number

Primary APN	`05-03275-0000`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	856 sqft Living Area
Gross Area	1,346 sqft
1st Floor Area	816 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1990
Effective Year Built	Effective 1995
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	75,763 sqft (1.74 acres)
Garage Area	1,088 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	1,088 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	16905 BIG FISH LAKE RD
City	COLD SPRING
State	MN
Zip	56320-9625
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 004 BLK 001 NORTH BAY SECTION 21 TOWNSHIP 124 RANGE 030 SECTION 21 TOWNSHIP 124 RANGE 030
Legal Range	30W
Legal Township	124
Legal Section	21
Legal Subdivision	NORTH BAY
Legal Block	1
Legal Lot Number	4
Jurisdiction	STEARNS MN
Township / Civil Division	COLLEGEVILLE
Census Block Group	1
Census Block	1026
Census Tract	11305

Owner

16905 Big Fish Lake Rd is owned and occupied by an individual who bought it in October 2019.

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

Owner of Record	Individual Name on File
Mailing Address	16905 BIG FISH LAKE RD, COLD SPRING, MN 56320-9625
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

Date	Document
Oct 4, 2023	Quit Claim Deed, Transfer HOME TOWN TITLE LLC, HOME TOWN TITLE
Oct 10, 2019	Personal Representative Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Oct 10, 2019 · Amount on File
Deed Sale	Oct 10, 2019 · Amount on File
Prior Sale	Oct 27, 2000 · Amount on File
Deed Document Number	20191554408
Record Updated	Jun 8, 2026

October 2023: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 4, 2023
Property Address	16905 BIG FISH LAKE RD, COLD SPRING, MN 56320-9625
Document Number	00A1661285
Instrument Date	Sep 30, 2023
Instrument	A1661285
Transaction Type	Transfer
Record Updated	Oct 31, 2023
Title Company	HOME TOWN TITLE LLC, HOME TOWN TITLE

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
Relationship	Joint Tenants
Address	16905 BIG FISH LAKE RD, COLD SPRING, MN 56320-9625

October 2019: Personal Representative Deed, Transfer

Document Type	Personal Representative Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 10, 2019
Property Address	16905 BIG FISH LAKE RD, COLD SPRING, MN 56320-9625
Document Number	00A1554408
Instrument Date	Oct 4, 2019
Instrument	A1554408
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	16905 BIG FISH LAKE RD, COLD SPRING, MN 56320-9625

Tax Assessment & Valuation

The 2026 property tax bill for 16905 Big Fish Lake Rd was $2,668 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	Collegeville Township
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,668.00
2025		$308,100 Land $68,800 Building $239,300	$308,100 Land $68,800 Building $239,300
2023	$2,510.00	$286,800 Land $68,800 Building $218,000	$286,800 Land $68,800 Building $218,000

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

Flood

FEMA maps place 16905 Big Fish Lake Rd in Zone X, an area of minimal flood risk.

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	1 in force

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

Wildfire risk around 16905 Big Fish Lake Rd 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 94% of the US · lower than 80% 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.

Internet Providers

Source: FCC Broadband Data Collection, based on 25 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60

May also be available: Albany Mutual Telephone Association.

Nearby Properties on Big Fish Lake Rd

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