21903 Lois Ln, Cold Spring, MN 56320 Property Records

Stearns County property record for 21903 Lois Ln, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2,097 sqft · built 2020
Lot Size	11.6 acres (505,296 sqft)
Owner	Company Name on Record
Tax Bill	$11,256 (2026)
Deeds & Mortgages	Jan 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`36-24669-0502`

Property Details

APN / Parcel Number

Primary APN	`36-24669-0502`

Interior

Bedrooms	4 Beds
Stories	1 Story
Building Area	2,097 sqft Living Area
1st Floor Area	2,097 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2020
Effective Year Built	Effective 2020
Exterior Material	Metal
Construction Type	Tilt-Up Concrete
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	505,296 sqft (11.6 acres)
Lot Dimensions	200 ft deep x 547 ft wide
Garage Type	Attached
Garage Area	1,422 sqft
Parking Spaces	5 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	21903 LOIS LN
City	COLD SPRING
State	MN
Zip	56320-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLK 001 ZUMWALDE LAKE ESTATES SECTION 30 TOWNSHIP 123 RANGE 35 SECTION 30 TOWNSHIP 123 RANGE 35
Legal Range	35W
Legal Township	123
Legal Section	30
Legal Subdivision	ZUMWALDE LAKE ESTATES
Legal Block	1
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	WAKEFIELD
Census Block Group	4
Census Block	4024
Census Tract	11302

Owner

Source: Stearns County records, as of July 30, 2026

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

Owner of Record	Company Name on Record
Mailing Address	21903 LOIS LN, COLD SPRING, MN 56320-3000
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Family Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Record Updated	Sep 20, 2026

January 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 21, 2021
Property Address	21903 LOIS LN, COLD SPRING, MN 56320-3000
Document Number	00A1592278
Instrument Date	Jan 13, 2021
Instrument	A1592278
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Revocable Trust
Address	21903 LOIS LN, COLD SPRING, MN 56320-3000

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$11,256.00 (+9.39%)	$1,055,400 (+0.29%) Land $365,000 Building $690,400	$1,055,400 (+0.29%) Land $365,000 Building $690,400
2025		$1,052,400 (+8.87%) Land $362,100 Building $690,300	$1,052,400 (+8.87%) Land $362,100 Building $690,300
2023	$10,290.00	$966,700 Land $329,800 Building $636,900	$966,700 Land $329,800 Building $636,900

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

Flood

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
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1997–2022)
Claims Outside the SFHA	3 of 6
Most Recent Claim	May 2022 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Flooding, High Winds,severe Storms, Apr 1997 · 3 claims

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

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 42 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Verizon Fixed Wireless	300 / 20
GigFire Fixed Wireless	150 / 130

May also be available: Arvig.

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