Stearns County property record for 405 12th St N, Cold Spring, MN 56320 · Last verified April 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 2.5 ba · 2,037 sqft · built 2003 |
| Lot Size | 0.27 acres (11,753 sqft) |
| Owner | Individual Name on File |
| Last Sale | $370,000 (Nov 2023) |
| Tax Bill | $4,240 (2026) |
| Deeds & Mortgages | Nov 2023 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29686-0250 |
| Primary APN | 48-29686-0250 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 2.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 2 Stories |
| Building Area | 2,037 sqft Living Area |
| Gross Area | 2,007 sqft |
| 1st Floor Area | 484 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Fireplaces | 1 Fireplace |
| Fireplace | Fireplace |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,753 sqft (0.27 acres) |
| Garage Type | Attached |
| Garage Area | 1,064 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 405 12TH ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-4102 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 016 BLK 002 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 | 2 |
| Legal Lot Number | 16 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 11302 |
Source: Stearns County records · APN 48-29686-0250
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 | 405 12TH ST N, COLD SPRING, MN 56320-4102 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Nov 16, 2023 · Amount on Record |
| Deed Sale | Nov 16, 2023 · Amount on Record |
| Prior Sale | Feb 28, 2003 · Amount on Record |
| Deed Document Number | 20231600625 |
| Record Updated | Jun 08, 2026 |
| Document Type | Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Nov 17, 2023 |
| Property Address | 405 12TH ST N, COLD SPRING, MN 56320-4102 |
| Document Number | 00A1663657 |
| Instrument Date | Nov 16, 2023 |
| Instrument | A1663657 |
| Transaction Type | Transfer |
| Record Updated | Dec 12, 2023 |
| Title Company | FIRST AMERICAN TITLE |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 405 12TH ST N, COLD SPRING, MN 56320-4102 |
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 | $4,240.00 (+8.05%) | ||
| 2025 | $355,000 (+2.19%) Land $50,800 Building $304,200 | $355,000 (+2.19%) Land $50,800 Building $304,200 | |
| 2023 | $3,924.00 | $347,400 Land $50,800 Building $296,600 | $347,400 Land $50,800 Building $296,600 |
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 | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 10,000 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
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 130 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 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.
5G and 4G LTE
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