Stearns County property record for 406 13th St N, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1.5 ba · 1,466 sqft · built 2003 |
| Lot Size | 0.306 acres (13,331 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $206,400 (Apr 2004) |
| Tax Bill | $3,358 (2026) |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29686-0317 |
| Primary APN | 48-29686-0317 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1.5 Baths |
| Half Baths | 1 Half Bath |
| Stories | 1 Story |
| Building Area | 1,466 sqft Living Area |
| Gross Area | 1,558 sqft |
| 1st Floor Area | 663 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 2003 |
|---|---|
| Effective Year Built | Effective 2003 |
| Architectural Style | Ranch |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Tilt-Up Concrete |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 13,331 sqft (0.306 acres) |
| Garage Area | 818 sqft |
| Parking Spaces | 3 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 406 13TH ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-4513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 004 BLK 001 NORTH POINTE PLAT TWO 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 PLAT TWO |
| Legal Block | 1 |
| Legal Lot Number | 4 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 11302 |
Source: Stearns County records, as of April 21, 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 Record |
|---|---|
| Mailing Address | 406 13TH ST N, COLD SPRING, MN 56320-4513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Apr 3, 2004 · Amount on Record |
| Deed Sale | Apr 3, 2004 · Amount on Record |
| Prior Sale | Jun 19, 2003 · Amount on Record |
| Record Updated | Jun 8, 2026 |
Source: Stearns County assessment roll, as of November 6, 2025
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $3,358.00 (+10.46%) | ||
| 2025 | $289,100 (+4.37%) Land $50,800 Building $238,300 | $289,100 (+4.37%) Land $50,800 Building $238,300 | |
| 2023 | $3,040.00 | $277,000 Land $50,800 Building $226,200 | $277,000 Land $50,800 Building $226,200 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 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 |
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: 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 | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
Source: FCC Broadband Data Collection, based on 130 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Midco Cable | 1,250 / 60 |
| GigFire Fixed Wireless | 150 / 130 |
| T-Mobile Fixed Wireless | 100 / 20 |
May also be available: Verizon.
Search by:
By searching, you agree to: Terms • Privacy • Disclosures