20912 Emerald Hill Rd, Cold Spring, MN 56320 Property Records

Stearns County property record for 20912 Emerald Hill Rd, Cold Spring, MN 56320

Property Summary

Property Type	Rural Home
Details	4 bd · 1 ba · 1,428 sqft · built 1993
Lot Size	17.3 acres (757,429 sqft)
Owner	Individual Name on File
Last Sale	$165,900 (Feb 1998)
Tax Bill	$4,692 (2026)
Deeds & Mortgages	May 2023 Sale May 2023 Transfer
Flood Zone	Zone X (minimal risk)
APN	`36-24127-0000`

Property Details

APN / Parcel Number

Primary APN	`36-24127-0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,428 sqft Living Area
Gross Area	1,995 sqft
1st Floor Area	1,428 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1993
Effective Year Built	Effective 2003
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	757,429 sqft (17.3 acres)
Garage Type	Attached
Garage Area	528 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	20912 EMERALD HILL RD
City	COLD SPRING
State	MN
Zip	56320-9689
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	LOT 001 BLK 001 EMERALD ACRES SECTION 36 TOWNSHIP 123 RANGE 030 SECTION 36 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	36
Legal Subdivision	EMERALD ACRES
Legal Block	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	WAKEFIELD
Census Block Group	1
Census Block	1018
Census Tract	11302

Owner

Source: Stearns County records · APN 36-24127-0000

Assessment roll updated November 6, 2025 · Last verified April 2026

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

Owner of Record	Individual Name on File
Mailing Address	20912 EMERALD HILL RD, COLD SPRING, MN 56320-9689
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 10, 2023	Affidavit, Transfer
May 10, 2023	Transfer on Death Deed, Transfer

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 27, 1998 · Amount on Record
Deed Sale	Feb 27, 1998 · Amount on Record
Prior Sale	May 19, 1993 · Amount on Record
Record Updated	Jun 08, 2026

May 2023: Affidavit, Transfer

Document Type	Affidavit
Jurisdiction	STEARNS MN
Recording Date	May 10, 2023
Property Address	20912 EMERALD HILL RD, COLD SPRING, MN 56320-9689
Document Number	00A1652739
Instrument Date	May 09, 2023
Instrument	A1652739
Transaction Type	Transfer
Record Updated	Jun 06, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	20912 EMERALD HILL RD, COLD SPRING, MN 56320-9689

May 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEARNS MN
Recording Date	May 10, 2023
Property Address	20912 EMERALD HILL RD, COLD SPRING, MN 56320-9689
Document Number	00A1652740
Instrument Date	May 09, 2023
Instrument	A1652740
Transaction Type	Transfer
Record Updated	Jun 06, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified April 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Wakefield Township
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	$4,692.00 (+11.98%)
2025		$507,300 (+7.94%) Land $202,200 Building $305,100	$507,300 (+7.94%) Land $202,200 Building $305,100
2023	$4,190.00	$470,000 Land $189,600 Building $280,400	$470,000 Land $189,600 Building $280,400

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

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

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.03% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

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.

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
LTD Broadband Fixed Wireless	150 / 130
Lumen Technologies DSL	100 / 10

May also be available: Verizon.

Based on FCC filings for 6 locations within half a mile of this property.

Cell Coverage

5G (outdoors only) and 4G LTE

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