411 15th St N, Cold Spring, MN 56320 Property Records

Stearns County property record for 411 15th St N, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	2 bd · 2 ba · 1,586 sqft · built 2005
Lot Size	0.169 acres (7,362 sqft)
Owner	2 Individual Names on Record
Last Sale	$319,000 (Mar 2024)
Tax Bill	$4,356 (2026)
Deeds & Mortgages	Apr 2024 Transfer Apr 2024 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29686-0401`

Property Details

APN / Parcel Number

Primary APN	`48-29686-0401`

Interior

Bedrooms	2 Beds
Full Baths	2 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,586 sqft Living Area
Gross Area	1,584 sqft
1st Floor Area	1,584 sqft
Flooring	Wood
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Patio Home
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,362 sqft (0.169 acres)
Garage Type	Attached
Garage Area	564 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	HVAC

Location & Zoning

Street Address	411 15TH ST N
City	COLD SPRING
State	MN
Zip	56320-9812
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 006 BLK 002 NORTH POINTE PLAT FOUR 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 FOUR
Legal Block	2
Legal Lot Number	6
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3012
Census Tract	11302

Owner

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	411 15TH ST N, COLD SPRING, MN 56320-9812
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Apr 12, 2024	Transfer on Death Deed, Transfer
Apr 8, 2024	Warranty Deed, Transfer FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Mar 14, 2024 · Amount on Record
Deed Sale	Mar 14, 2024 · Amount on Record
Prior Sale	Jun 16, 2006 · Amount on Record
Deed Document Number	20241629769
Record Updated	Jun 8, 2026

April 2024: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 12, 2024
Property Address	411 15TH ST N, COLD SPRING, MN 56320-9812
Document Number	00A1670368
Instrument Date	Apr 9, 2024
Instrument	A1670368
Transaction Type	Transfer
Record Updated	May 14, 2024

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	411 15TH ST N, COLD SPRING, MN 56320-9812

April 2024: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 8, 2024
Property Address	411 15TH ST N, COLD SPRING, MN 56320-9812
Document Number	00A1670100
Instrument Date	Mar 14, 2024
Instrument	A1670100
Transaction Type	Transfer
Record Updated	Apr 30, 2024
Title Company	FIRST AMERICAN TITLE, FIRST AMERICAN TITLE INSURAN

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	411 15TH ST N, COLD SPRING, MN 56320-9812

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	$4,356.00 (+17.79%)
2025		$363,600 (+8.76%) Land $51,200 Building $312,400	$363,600 (+8.76%) Land $51,200 Building $312,400
2023	$3,698.00	$334,300 Land $51,200 Building $283,100	$334,300 Land $51,200 Building $283,100

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 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.

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 49 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

May also be available: Arvig, T-Mobile, Verizon.

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