407 Red River Ave S, Cold Spring, MN 56320 Property Records

Stearns County property record for 407 Red River Ave S, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,248 sqft · built 1927
Lot Size	0.18 acres (7,850 sqft)
Owner	Individual Name on Record
Last Sale	$178,000 (May 2022)
Tax Bill	$2,150 (2026)
Deeds & Mortgages	May 2022 Sale Apr 2018 Sale
Flood Zone	Zone X (moderate risk)
APN	`48-29373-0000`

Property Details

APN / Parcel Number

Primary APN	`48-29373-0000`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Total Rooms	6 Rooms
Stories	1 Story
Building Area	1,248 sqft Living Area
Gross Area	1,373 sqft
1st Floor Area	832 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1927
Effective Year Built	Effective 1970
Exterior Material	Metal
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,850 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	407 RED RIVER AVE S
City	COLD SPRING
State	MN
Zip	56320-2523
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 003 BLK 003 FRIEDMAN'S ADD SECTION 22 TOWNSHIP 123 RANGE 030 SECTION 22 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	22
Legal Subdivision	FRIEDMANS ADD
Legal Block	3
Legal Lot Number	3
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	4
Census Block	4008
Census Tract	11302

Owner

Source: Stearns County records, as of July 21, 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 Record
Mailing Address	407 RED RIVER AVE S, COLD SPRING, MN 56320-2523
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
May 25, 2022	Warranty Deed, Transfer MISC COMPANY
Apr 10, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 16, 2022 · Amount on Record
Deed Sale	May 16, 2022 · Amount on Record
Prior Sale	Apr 10, 2018 · Amount on Record
Deed Document Number	20221412247
Record Updated	Sep 20, 2026

May 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 25, 2022
Property Address	407 RED RIVER AVE S, COLD SPRING, MN 56320-2523
Document Number	00A1633226
Instrument Date	May 16, 2022
Instrument	A1633226
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	MISC COMPANY

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	407 RED RIVER AVE S, COLD SPRING, MN 56320-2523

April 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 10, 2018
Property Address	407 RED RIVER AVE S, COLD SPRING, MN 56320-2523
Document Number	00A1517995
Instrument Date	Mar 16, 2018
Instrument	A1517995
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	407 RED RIVER AVE S, COLD SPRING, MN 56320-2523

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of November 6, 2025

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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,150.00 (+29.67%)
2025		$198,900 (+16.93%) Land $36,600 Building $162,300	$198,900 (+16.93%) Land $36,600 Building $162,300
2023	$1,658.00	$170,100 Land $36,600 Building $133,500	$170,100 Land $36,600 Building $133,500

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

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 moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on Record median of 13 policies
Nearby Flood Policies	13 in force
Nearby Flood Claims	6 (1997–2022)
Claims Outside the SFHA	3 of 6
Most Recent Claim	May 2022 · Severe Storms, Straight-line Winds, And Flooding
Claims by Event	Severe Flooding, High Winds,severe Storms, Apr 1997 · 3 claims

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.

Wildfire

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	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

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

Violations Reported to EPA

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.

Internet Providers

Source: FCC Broadband Data Collection, based on 188 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: GigFire, Intrepid Fiber Networks, Verizon.

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