21908 Lois Ln, Cold Spring, MN 56320 Property Records

Stearns County property record for 21908 Lois Ln, Cold Spring, MN 56320 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	5 bd · 1,826 sqft · built 2020
Lot Size	21.2 acres (923,472 sqft)
Owner	Individual Name on File
Last Sale	$338,000 (Feb 2019)
Tax Bill	$10,972 (2026)
Deeds & Mortgages	Feb 2019 Sale
Flood Zone	Zone AE (high risk)
APN	`36-24669-0504`

Property Details

APN / Parcel Number

Primary APN	`36-24669-0504`

Interior

Bedrooms	5 Beds
Stories	1 Story
Building Area	1,826 sqft Living Area
1st Floor Area	1,826 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	923,472 sqft (21.2 acres)
Lot Dimensions	200 ft deep x 510 ft wide
Garage Type	Attached
Garage Area	1,152 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	21908 LOIS LN
City	COLD SPRING
State	MN
Zip	56320-3000
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 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	5
Jurisdiction	STEARNS MN
Township / Civil Division	WAKEFIELD
Census Block Group	4
Census Block	4029
Census Tract	11302

Owner

Source: Stearns County records · APN 36-24669-0504

Assessment roll updated July 30, 2026 · Last verified August 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	21908 LOIS LN, COLD SPRING, MN 56320-3000
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Feb 04, 2019 · Amount on Record
Deed Sale	Feb 04, 2019 · Amount on Record
Deed Document Number	20191537800
Record Updated	Sep 20, 2026

February 2019: Warranty Deed, Subdivision Related Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 04, 2019
Property Address	21908 LOIS LN, COLD SPRING, MN 56320-3000
Document Number	00A1537800
Instrument Date	Jan 24, 2019
Instrument	A1537800
Transaction Type	Subdivision Related Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
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	20716 ELMWAY RD, RICHMOND, MN 56368-8440

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 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	$10,972.00 (+12.74%)	$1,031,700 (+0.35%) Land $408,500 Building $623,200	$1,031,700 (+0.35%) Land $408,500 Building $623,200
2025		$1,028,100 (+11.86%) Land $403,200 Building $624,900	$1,028,100 (+11.86%) Land $403,200 Building $624,900
2023	$9,732.00	$919,100 Land $371,000 Building $548,100	$919,100 Land $371,000 Building $548,100

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450113024, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone AE
Special Flood Hazard Area	Yes
Flood Hazard	High
100-Year Floodplain	Yes 1% annual chance
Floodway	Yes
Base Flood Elevation	1,094.0 ft
Flood Insurance Requirement	Required (federally backed mortgages)
Flood Insurance Cost	Premium on Record median of 13 individual NFIP policies nearby
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1997–2022)
Claims Outside the SFHA	3 of 6
Most Recent Claim	May 2022, other causes, Severe Storms, Straight-line Winds, And Flooding
Claims By Storm	Severe Flooding, High Winds,severe Storms, Apr 1997 · 3 claims

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

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, availability as of December 31, 2025 · Published October 2026 · based on 37 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	2,000 / 350
Verizon	Fixed Wireless	300 / 20
AT&T	Fixed Wireless	100 / 20

May also be available at this address: Arvig Enterprises, LTD Broadband. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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