Stearns County property record for 311 15th St N, Cold Spring, MN 56320 · Last verified August 2026
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1,596 sqft · built 2024 |
| Lot Size | 0.378 acres (16,466 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $430,000 (Jul 2026) |
| Tax Bill | $1,184 (2026) |
| Deeds & Mortgages | Jul 2026 Sale & Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29686-0406 |
| Primary APN | 48-29686-0406 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Building Area | 1,596 sqft Living Area |
| 1st Floor Area | 1,596 sqft |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2024 |
|---|---|
| Effective Year Built | Effective 2024 |
| Exterior Material | Aluminum/Vinyl |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 16,466 sqft (0.378 acres) |
| Cooling System | Central |
|---|---|
| Heating System | HVAC |
| Street Address | 311 15TH ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-4412 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 001 BLK 001 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 | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 3 |
| Census Block | 3012 |
| Census Tract | 11302 |
Source: Stearns County records · APN 48-29686-0406
Assessment roll updated July 30, 2026 · Last verified August 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 311 15TH ST N, COLD SPRING, MN 56320-4412 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Verified Names on Deed |
|---|---|
| Last Sale | Jul 23, 2026 · Amount on Record |
| Deed Sale | Jul 23, 2026 · Amount on Record |
| Deed Document Number | 20261717741 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jul 23, 2026 |
| Property Address | 311 15TH ST N, COLD SPRING, MN 56320-4412 |
| Document Number | 0001717741 |
| Instrument Date | Jul 14, 2026 |
| Instrument | 20261717741 |
| Record Updated | Aug 11, 2026 |
| Title Company | FIRST AMERICAN TITLE |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on File |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $143,319.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 311 15TH ST N, COLD SPRING, MN 56320-4412 |
| Document Number | 0001717742, |
|---|---|
| Date | Jul 23, 2026 |
| Instrument | 20261717742 |
| Name | UNITED WHOLESALE MORTGAGE |
|---|
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Aug 01, 2056 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 6.52% |
| Initial Type | Fixed Rate |
| Max Rate | -1% |
Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
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 | $1,184.00 (+90.35%) | $450,100 (+370.82%) Land $65,800 Building $384,300 | $450,100 (+370.82%) Land $65,800 Building $384,300 |
| 2025 | $95,600 (+58.02%) Land $60,500 Building $35,100 | $95,600 (+58.02%) Land $60,500 Building $35,100 | |
| 2023 | $622.00 | $60,500 Land $60,500 | $60,500 Land $60,500 |
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
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Nearby Flood Policies | 3 in force |
| Nearby Flood Claims | 3 (1984–2022) |
| Most Recent Claim | May 2022, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, And Flooding |
| 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.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 49 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Midcontinent Communications | Cable | 1,250 / 60 |
| LTD Broadband | Fixed Wireless (licensed-by-rule) | 150 / 130 |
May also be available at this address: T-Mobile USA, Arvig Enterprises, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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