308 15th St N, Cold Spring, MN 56320 Property Records

Stearns County property record for 308 15th St N, Cold Spring, MN 56320 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,696 sqft · built 2024
Lot Size	0.445 acres (19,384 sqft)
Owner	Individual Name on File
Last Sale	$420,000 (May 2026)
Tax Bill	$5,388 (2026)
Deeds & Mortgages	May 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`48-29686-0421`

Property Details

APN / Parcel Number

Primary APN	`48-29686-0421`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Building Area	1,696 sqft Living Area
1st Floor Area	1,696 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2024
Effective Year Built	Effective 2024
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,384 sqft (0.445 acres)

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	308 15TH ST N
City	COLD SPRING
State	MN
Zip	56320-4412
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLK 002 NORTH POINTE PLAT FIVE SECTION 10 TOWNSHIP 123 RANGE 30 SECTION 10 TOWNSHIP 123 RANGE 30
Legal Range	30W
Legal Township	123
Legal Section	10
Legal Subdivision	NORTH POINTE PLAT FIVE
Legal Block	2
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3011
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29686-0421

Assessment roll updated November 6, 2025 · Last verified June 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	308 15TH ST N, COLD SPRING, MN 56320-4412
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	May 20, 2026 · Amount on Record
Deed Sale	May 20, 2026 · Amount on Record
Deed Document Number	20261713369
Record Updated	Sep 20, 2026

May 2026: Warranty Deed

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 20, 2026
Property Address	308 15TH ST N, COLD SPRING, MN 56320-4412
Document Number	0001713369
Instrument Date	May 12, 2026
Instrument	20261713369
Record Updated	Jun 05, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$139,986.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	308 15TH ST N, COLD SPRING, MN 56320-4412

Mortgage

Document Number	0001713370,
Date	May 20, 2026
Instrument	20261713370

Lender

Name	DEERWOOD BANK

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jun 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.37%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified June 2026

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

Assessed value is set for property tax purposes, not a market price estimate; it is a fraction of this property's market value.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,388.00 (+766.24%)
2025		$434,500 (+618.18%) Land $60,500 Building $374,000	$434,500 (+618.18%) Land $60,500 Building $374,000
2023	$622.00	$60,500 Land $60,500	$60,500 Land $60,500

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450113023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Nearby Flood Claims	3 (1984–2022)
Most Recent Claim	May 2022, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Wildfire

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; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.