Stearns County property record for 21909 Lois Ln, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 2,408 sqft · built 2021 |
| Lot Size | 11 acres (479,160 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $279,000 (Sep 2020) |
| Tax Bill | $10,406 (2026) |
| Deeds & Mortgages | Sep 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 36-24669-0501 |
| Primary APN | 36-24669-0501 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Stories | 1 Story |
| Building Area | 2,408 sqft Living Area |
| 1st Floor Area | 2,156 sqft |
| Flooring | Wood |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2021 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Metal |
| Construction Type | Tilt-Up Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 479,160 sqft (11 acres) |
| Lot Dimensions | 100 ft deep x 452 ft wide |
| Garage Type | Attached |
| Garage Area | 960 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Floor/Wall Furnace |
| Street Address | 21909 LOIS LN |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-3000 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 002 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 | 2 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | WAKEFIELD |
| Census Block Group | 4 |
| Census Block | 4024 |
| Census Tract | 11302 |
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 | Individual Name on Record |
|---|---|
| Mailing Address | 21909 LOIS LN, COLD SPRING, MN 56320-3000 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Sep 25, 2020 · Amount on Record |
| Deed Sale | Sep 25, 2020 · Amount on Record |
| Deed Document Number | 20201581216 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 25, 2020 |
| Property Address | 21909 LOIS LN, COLD SPRING, MN 56320-3000 |
| Document Number | 00A1581216 |
| Instrument Date | Sep 22, 2020 |
| Instrument | A1581216 |
| Transaction Type | Subdivision Related Transfer |
| Record Updated | Jul 10, 2023 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | ROYAL RIVER RD, PAYNESVILLE, MN 56362 |
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| County | Stearns County |
| County Subdivision | Wakefield Township |
| Unified School District | Rocori Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $10,406.00 (+0.97%) | $998,900 (+1.97%) Land $243,400 Building $755,500 | $998,900 (+1.97%) Land $243,400 Building $755,500 |
| 2025 | $979,600 (+10.3%) Land $241,300 Building $738,300 | $979,600 (+10.3%) Land $241,300 Building $738,300 | |
| 2024 | $10,306.00 (+32.23%) | ||
| 2023 | $7,794.00 | $888,100 Land $219,900 Building $668,200 | $888,100 Land $219,900 Building $668,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
|
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.
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.
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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