Stearns County property record for 307 12th St N, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 1,700 sqft · built 2002 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $450,000 (Aug 2022) |
| Tax Bill | $5,090 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage Sep 2022 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29686-0308 |
| Primary APN | 48-29686-0308 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 8 Rooms |
| Stories | 1 Story |
| Building Area | 1,700 sqft Living Area |
| Gross Area | 2,194 sqft |
| 1st Floor Area | 994 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2002 |
|---|---|
| Effective Year Built | Effective 2012 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 17,424 sqft (0.4 acres) |
| Garage Type | Attached |
| Garage Area | 986 sqft |
| Parking Spaces | 4 Parking Spaces |
| Pool Area | 1 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 307 12TH ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-4502 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 007 BLK 005 NORTH POINTE 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 |
| Legal Block | 5 |
| Legal Lot Number | 7 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 3 |
| Census Block | 3010 |
| Census Tract | 11302 |
Source: Stearns County records · APN 48-29686-0308
Assessment roll updated November 6, 2025 · Last verified July 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 | 307 12TH ST N, COLD SPRING, MN 56320-4502 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jul 06, 2026 | Warranty Deed, Transfer · Conventional Mortgage HOMEOWNERS FINANCIAL GROUP USA |
| Sep 12, 2022 | Warranty Deed, Transfer FIRST AMERICAN TITLE |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 26, 2022 · Amount on Record |
| Deed Sale | Aug 26, 2022 · Amount on Record |
| Prior Sale | Feb 27, 2003 · Amount on Record |
| Deed Document Number | 20221460619 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 06, 2026 |
| Property Address | 307 12TH ST N, COLD SPRING, MN 56320-4502 |
| Document Number | 0001716387 |
| Instrument Date | Jun 25, 2026 |
| Instrument | 20261716387 |
| Transaction Type | Transfer |
| Record Updated | Jul 24, 2026 |
| Title Company | ANCONA TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $156,651.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 307 12TH ST N, COLD SPRING, MN 56320-4502 |
| Document Number | 0001716388, |
|---|---|
| Date | Jul 06, 2026 |
| Instrument | 20261716388 |
| Name | HOMEOWNERS FINANCIAL GROUP USA |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Jul 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.51% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Sep 12, 2022 |
| Property Address | 307 12TH ST N, COLD SPRING, MN 56320-4502 |
| Document Number | 00A1640376 |
| Instrument Date | Aug 26, 2022 |
| Instrument | A1640376 |
| Transaction Type | Transfer |
| Record Updated | Oct 13, 2022 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Rounded by County |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 307 12TH ST N, COLD SPRING, MN 56320-4502 |
Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified July 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 | $5,090.00 (+15%) | ||
| 2025 | $410,500 (+2.78%) Land $53,400 Building $357,100 | $410,500 (+2.78%) Land $53,400 Building $357,100 | |
| 2023 | $4,426.00 | $399,400 Land $53,400 Building $346,000 | $399,400 Land $53,400 Building $346,000 |
Source: FEMA National Flood Hazard Layer as of September 29, 2024 · FEMA NFIP claims and policies as of September 2026 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1984–2022) |
| Most Recent Claim | May 2022 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| Wildfire Risk | Low lower than 80% of the US · lower than 60% of Minnesota |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| 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.
Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midcontinent Communications Cable | 1,250 / 60 |
| LTD Broadband Fixed Wireless | 150 / 130 |
| T-Mobile USA Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Based on FCC filings for 130 locations within half a mile of this property.
Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026
| Water System | Cold Spring serves 4,201 people |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Jun 2025 |
| Lead | 3 ppb (2021–2023) action level 15 ppb |
| 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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.
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