Stearns County property record for 304 13th St N, Cold Spring, MN 56320 · Last verified April 2026
| Property Type | Residential > Single Family > Home |
|---|---|
| Bedrooms | 3 Beds |
| Bathrooms | 2 Baths |
| Year Built | Built 2017 |
| Square Footage | 2,132 sqft Living Area |
| Lot Size | 15,747 sqft (0.362 acres) |
| Occupancy | Owner Occupied |
| Last Sale | $33,000 (2016) |
| Tax Bill | $5,536.00 (2026) |
Source: Stearns County records · APN 48-29686-0378
Assessment roll updated November 6, 2025 · Last verified April 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 | 304 13TH ST N, COLD SPRING, MN 56320-4512 |
| Occupancy | Owner Occupied |
| Owner Type | Owner is an Individual, Couple or Unincorporated Entity |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Apr 29, 2016 · Amount on Record |
| Deed Sale | Apr 29, 2016 · Amount on Record |
| Prior Sale | Dec 21, 2006 · Amount on Record |
| Record Refreshed | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 13, 2026 |
| Property Address | 304 13TH ST N, COLD SPRING, MN 56320-4512 |
| Document Number | 0001716907 |
| Instrument Date | Jun 29, 2026 |
| Instrument | 20261716907 |
| Transaction Type | Mortgage |
| Record Updated | Jul 30, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 304 13TH ST N, COLD SPRING, MN 56320-4512 |
| Document Number | 0001716907, |
|---|---|
| Date | Jul 13, 2026 |
| Instrument | 20261716907 |
| Name | STATE BANK |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 60 Months |
| Due | Jul 01, 2031 |
| Rate | 6.53% |
|---|---|
| Max Rate | -1% |
Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified April 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
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 | $5,536.00 (+3.75%) | ||
| 2025 | $5,336.00 (+14.6%) | $446,500 (+9.25%) Land $53,400 Building $393,100 | $446,500 (+9.25%) Land $53,400 Building $393,100 |
| 2023 | $4,656.00 | $408,700 Land $53,400 Building $355,300 | $408,700 Land $53,400 Building $355,300 |
Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified: October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Special Flood Hazard Area | No |
| 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; lenders make the official flood determination.
| Primary APN | 48-29686-0378 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 2 Baths |
| Total Rooms | 10 Rooms |
| Building Area | 2,132 sqft Living Area |
| Gross Area | 2,116 sqft Gross Area |
| 1st Floor | 2,116 sqft 1st Floor |
| Stories | 1 Stories |
| Primary Flooring | Laminate Plank Flooring |
| Interior Structure | Wallboard/Drywall Interior Structure |
| Fireplace | Fireplace |
| Fireplaces | 1 Fireplaces |
| Year Built | Built 2017 |
|---|---|
| Effective Year Built | Effective 2017 |
| Architectural Style | Patio Home Style |
| Exterior Material | Metal Exterior |
| Construction Type | Frame Construction |
| Roof Construction | Gable/Hip Roof Construction |
| Roof Material | Asphalt Roof |
| Lot Area | 15,747 sqft (0.362 acres) |
| Parking Spaces | 4 Parking Spaces |
| Garage Type | Attached Garage |
| Garage Area | 912 sqft Garage |
| Cooling System | Central Cooling |
|---|---|
| Heating System | HVAC Heating |
| Street Address | 304 13TH ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-4512 |
| Property Usage | Residential Property Usage |
| Type | Residential > Single Family > Home |
| Legal Description | LOT 001 BLK 004 NORTH POINTE PLAT THREE SECTION 10 TOWNSHIP 123 RANGE 030 SECTION 10 TOWNSHIP 123 RANGE 030 |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 10 |
| Legal Subdivision | NORTH POINTE PLAT THREE |
| Legal Block | 4 |
| Legal Lot Number | 1 |
| Jurisdiction | STEARNS MN |
| Minor Civil Division | COLD SPRING |
| Census Blockgroup | 3 |
| Census Block | 3010 |
| Census Tract | 11302 |
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