409 12th St N, Cold Spring, MN 56320 Property Records

Stearns County property record for 409 12th St N, Cold Spring, MN 56320 · Last verified June 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2.25 ba · 1,800 sqft · built 2001
Lot Size	0.735 acres (32,022 sqft)
Owner	Individual Name on File
Last Sale	$390,000 (Jul 2022)
Tax Bill	$4,670 (2026)
Deeds & Mortgages	Aug 2022 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29686-0246`

Property Details

APN / Parcel Number

Primary APN	`48-29686-0246`

Interior

Bedrooms	4 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Stories	2 Stories
Building Area	1,800 sqft Living Area
Gross Area	1,869 sqft
1st Floor Area	528 sqft
Flooring	Ceramic Tile
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2001
Effective Year Built	Effective 2001
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	32,022 sqft (0.735 acres)
Garage Type	Attached
Garage Area	644 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	409 12TH ST N
City	COLD SPRING
State	MN
Zip	56320-4102
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 014 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	14
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3013
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29686-0246

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	409 12TH ST N, COLD SPRING, MN 56320-4102
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Jul 29, 2022 · Amount on Record
Deed Sale	Jul 29, 2022 · Amount on Record
Prior Sale	Nov 22, 2000 · Amount on Record
Deed Document Number	20221447726
Record Updated	Sep 20, 2026

August 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 03, 2022
Property Address	409 12TH ST N, COLD SPRING, MN 56320-4102
Document Number	00A1638002
Instrument Date	Jul 29, 2022
Instrument	A1638002
Transaction Type	Transfer
Record Updated	Sep 06, 2022
Title Company	FIRST FINANCIAL TITLE

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	409 12TH ST N, COLD SPRING, MN 56320-4102

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 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	$4,670.00 (+10.72%)
2025		$387,100 (+1.95%) Land $58,700 Building $328,400	$387,100 (+1.95%) Land $58,700 Building $328,400
2023	$4,218.00	$379,700 Land $58,700 Building $321,000	$379,700 Land $58,700 Building $321,000

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
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

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.

Internet Providers

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.