Stearns County property record for 410 13th St N, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,601 sqft · built 2003 |
| Lot Size | 0.434 acres (18,899 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $44,000 (Mar 2003) |
| Tax Bill | $4,638 (2026) |
| Deeds & Mortgages | Aug 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29686-0319 |
| Primary APN | 48-29686-0319 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Stories | 1 Story |
| Building Area | 1,601 sqft Living Area |
| Gross Area | 2,334 sqft |
| 1st Floor Area | 932 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 | 18,899 sqft (0.434 acres) |
| Garage Type | Attached |
| Garage Area | 1,188 sqft |
| Parking Spaces | 4 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 410 13TH ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-4513 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 006 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 | 6 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 3 |
| Census Block | 3013 |
| Census Tract | 11302 |
Source: Stearns County records, as of July 30, 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 | 410 13TH ST N, COLD SPRING, MN 56320-4513 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Mar 7, 2003 · Amount on Record |
| Deed Sale | Mar 7, 2003 · Amount on Record |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 5, 2026 |
| Property Address | 410 13TH ST N, COLD SPRING, MN 56320-4513 |
| Document Number | 0001718596 |
| Instrument Date | Jun 16, 2026 |
| Instrument | 20261718596 |
| Transaction Type | Mortgage |
| Record Updated | Sep 9, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 410 13TH ST N, COLD SPRING, MN 56320-4513 |
| Document Number | 0001718596, |
|---|---|
| Date | Aug 5, 2026 |
| Instrument | 20261718596 |
| Name | STATE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 118 Months |
| Due | Jun 16, 2036 |
| Rate Type | Adjustable Rate |
|---|---|
| Initial Type | Adjustable Rate |
| Adjustable | Adjustable Rate Rider |
| Max Rate | -1% |
Source: Stearns County assessment roll, as of July 30, 2026
| 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 | $4,638.00 (+6.96%) | $407,000 (+5.77%) Land $57,100 Building $349,900 | $407,000 (+5.77%) Land $57,100 Building $349,900 |
| 2025 | $384,800 (+1.08%) Land $53,400 Building $331,400 | $384,800 (+1.08%) Land $53,400 Building $331,400 | |
| 2023 | $4,336.00 | $380,700 Land $53,400 Building $327,300 | $380,700 Land $53,400 Building $327,300 |
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.
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