215 12th Ave S, Cold Spring, MN 56320 Property Records

Stearns County property record for 215 12th Ave S, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,079 sqft · built 1995
Lot Size	0.248 acres (10,790 sqft)
Owner	Individual Name on File
Last Sale	$290,000 (May 2026)
Tax Bill	$3,200 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-29316-0114`

Property Details

APN / Parcel Number

Primary APN	`48-29316-0114`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,079 sqft Living Area
Gross Area	1,600 sqft
1st Floor Area	840 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1995
Effective Year Built	Effective 2000
Architectural Style	Split Level
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,790 sqft (0.248 acres)
Lot Dimensions	130 ft deep x 83 ft wide
Garage Type	Attached
Garage Area	484 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	120 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	215 12TH AVE S
City	COLD SPRING
State	MN
Zip	56320-2131
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLK 002 CAITLYN'S ADDITION SECTION 27 TOWNSHIP 123 RANGE 030 SECTION 27 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	27
Legal Subdivision	CAITLYNS ADDITION
Legal Block	2
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2062
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29316-0114

Assessment roll updated November 6, 2025 · Last verified July 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	215 12TH AVE S, COLD SPRING, MN 56320-2131
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Tenants in Common

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 22, 2026 · Amount on Record
Deed Sale	May 22, 2026 · Amount on Record
Prior Sale	Aug 03, 2007 · Amount on Record
Deed Document Number	202647067
Record Updated	Sep 20, 2026

May 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 22, 2026
Property Address	215 12TH AVE S, COLD SPRING, MN 56320-2131
Document Number	0000047067
Instrument Date	May 08, 2026
Instrument	202647067
Transaction Type	Transfer
Record Updated	Jun 08, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$96,657.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants in Common
Address	215 12TH AVE S, COLD SPRING, MN 56320-2131

Mortgage

Document Number	0000047068,
Date	May 22, 2026
Instrument	202647068

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

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

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

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	$3,200.00 (+12.2%)
2025		$277,300 (+6.53%) Land $42,400 Building $234,900	$277,300 (+6.53%) Land $42,400 Building $234,900
2023	$2,852.00	$260,300 Land $42,400 Building $217,900	$260,300 Land $42,400 Building $217,900

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2024 · 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

Wildfire

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 are read at the parcel center point; 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)
Midcontinent Communications Cable	2,000 / 350
Starlink Satellite	280 / 30
LTD Broadband Fixed Wireless	150 / 130
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Arvig Enterprises, Verizon.

Based on FCC filings for 200 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Cold Spring serves 4,201 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.