305 17th Ave S, Cold Spring, MN 56320 Property Records

Stearns County property record for 305 17th Ave S, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,256 sqft · built 2008
Lot Size	0.231 acres (10,062 sqft)
Owner	Individual Name on Record
Last Sale	$410,000 (Jun 2026)
Tax Bill	$4,556 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29401-0283`

Property Details

APN / Parcel Number

Primary APN	`48-29401-0283`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Stories	1 Story
Building Area	1,256 sqft Living Area
Gross Area	1,580 sqft
1st Floor Area	1,256 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2008
Effective Year Built	Effective 2008
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	10,062 sqft (0.231 acres)
Garage Type	Attached
Garage Area	984 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	305 17TH AVE S
City	COLD SPRING
State	MN
Zip	56320-4701
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLK 004 GRANITE LEDGE PLAT 4 SECTION 21 TOWNSHIP 123 RANGE 030 SECTION 21 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	21
Legal Subdivision	GRANITE LEDGE PLAT 4
Legal Block	4
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2018
Census Tract	11302

Owner

Source: Stearns County records, as of June 26, 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	305 17TH AVE S, COLD SPRING, MN 56320-4701
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Jun 16, 2026	Warranty Deed, Transfer · Conventional Mortgage TOWN AND COUNTRY CREDIT UNION
Oct 6, 2017	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Oct 6, 2017 · Amount on Record
Deed Document Number	202647096
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 16, 2026
Property Address	305 17TH AVE S, COLD SPRING, MN 56320-4701
Document Number	0000047096
Instrument Date	Jun 11, 2026
Instrument	202647096
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$136,653.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	305 17TH AVE S, COLD SPRING, MN 56320-4701
Investor	Possibly a Property Investor

Mortgage

Document Number	0000047097,
Date	Jun 16, 2026
Instrument	202647097

Lender

Name	TOWN AND COUNTRY CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 1, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 6, 2017
Property Address	305 17TH AVE S, COLD SPRING, MN 56320-4701
Document Number	0000T41221
Instrument Date	Oct 2, 2017
Instrument	T41221
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$838.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	305 17TH AVE S, COLD SPRING, MN 56320-4701

Tax Assessment & Valuation

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

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cold Spring City
County	Stearns County
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,556.00 (+28.92%)
2025		$378,700 (+16.38%) Land $50,800 Building $327,900	$378,700 (+16.38%) Land $50,800 Building $327,900
2023	$3,534.00	$325,400 Land $50,800 Building $274,600	$325,400 Land $50,800 Building $274,600

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

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; 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 80% of the US · lower than 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.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cold Spring serves 4,201 people · EPA ID MN1730006
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 350
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Arvig, Verizon.

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