27289 Co Rd 50, Cold Spring, MN 56320 Property Records

Stearns County property record for 27289 Co Rd 50, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	1 bd · 1 ba · 400 sqft · built 2022
Lot Size	4.62 acres (201,159 sqft)
Owner	Individual Name on Record
Last Sale	$81,000 (Jun 2018)
Tax Bill	$1,936 (2026)
Deeds & Mortgages	Apr 2026 Construction Loan Jun 2022 Transfer + 1 more
Flood Zone	Zone X (minimal risk)
APN	`05-03348-0000`

Property Details

APN / Parcel Number

Primary APN	`05-03348-0000`

Interior

Bedrooms	1 Bed
Full Baths	1 Bath
Total Rooms	3 Rooms
Stories	1 Story
Building Area	400 sqft Living Area
1st Floor Area	400 sqft
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2022
Effective Year Built	Effective 2022
Roof Type	Gable/Hip
Roof Material	Metal
Lot Area	201,159 sqft (4.62 acres)

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	27289 COUNTY ROAD 50
City	COLD SPRING
State	MN
Zip	56320-9626
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 001 BLK 001 SCHRAMEL ADDITION SECTION 28 TOWNSHIP 124 RANGE 030 SECTION 28 TOWNSHIP 124 RANGE 030
Legal Range	30W
Legal Township	124
Legal Section	28
Legal Subdivision	SCHRAMEL ADDITION
Legal Block	1
Legal Lot Number	1
Jurisdiction	STEARNS MN
Township / Civil Division	COLLEGEVILLE
Census Block Group	1
Census Block	1052
Census Tract	11305

Owner

Source: Stearns County records, as of May 11, 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	27289 COUNTY ROAD 50, COLD SPRING, MN 56320-9626
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 22, 2026	Deed of Trust, Mortgage · Construction Mortgage GRANITE BANK
Jun 3, 2022	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jun 1, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 1, 2018 · Amount on Record
Deed Sale	Jun 1, 2018 · Amount on Record
Prior Sale	May 25, 2018 · Amount on Record
Deed Document Number	20181521691
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Apr 22, 2026
Property Address	27289 COUNTY ROAD 50, COLD SPRING, MN 56320-9626
Document Number	0001711758
Instrument Date	Apr 15, 2026
Instrument	20261711758
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TRI-COUNTY ABSTRACT, TRI COUNTY ABSTRACT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	27289 COUNTY ROAD 50, COLD SPRING, MN 56320-9626

Mortgage

Document Number	0001711758,
Date	Apr 22, 2026
Instrument	20261711758

Lender

Name	GRANITE BANK

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	12 Months
Due	Apr 20, 2027

Interest

Rate Type	Balloon
Rate	6.22%
Initial Type	Balloon
Max Rate	-1%

June 2022: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 3, 2022
Property Address	27289 COUNTY ROAD 50, COLD SPRING, MN 56320
Document Number	00A1633792
Instrument Date	Jun 1, 2022
Instrument	A1633792
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	15698 CHRISTMAS TREE RD, COLD SPRING, MN 56320-9644

June 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 1, 2018
Property Address	27289 COUNTY ROAD 50, COLD SPRING, MN 56320
Document Number	00A1521691
Instrument Date	May 25, 2018
Instrument	A1521691
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	26502 COUNTY ROAD 50, COLD SPRING, MN 56320-9665

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
County Subdivision	Collegeville Township
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,936.00 (+131.03%)
2025		$233,800 (+4.05%) Land $96,900 Building $136,900	$233,800 (+4.05%) Land $96,900 Building $136,900
2023	$838.00	$224,700 Land $95,400 Building $129,300	$224,700 Land $95,400 Building $129,300

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
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	1 in force

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 66% of the US · above 60% 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 13 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Starlink Satellite	280 / 30
CenturyLink DSL	100 / 10
Verizon Fixed Wireless	25 / 6

May also be available: T-Mobile.

Cell Coverage

5G (outdoors only) and 4G LTE

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