Stearns County property record for 429 Red River Ave N, Cold Spring, MN 56320
| Property Type | Single Family Home |
|---|---|
| Details | 3 bd · 1 ba · 840 sqft · built 1920 |
| Lot Size | 0.906 acres (39,480 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $60,000 (May 1995) |
| Tax Bill | $3,036 (2026) |
| Deeds & Mortgages | May 2026 Line of Credit |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29689-0001 |
| Primary APN | 48-29689-0001 |
|---|
| Bedrooms | 3 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 840 sqft Living Area |
| Gross Area | 941 sqft |
| 1st Floor Area | 672 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1920 |
|---|---|
| Effective Year Built | Effective 1965 |
| Exterior Material | Aluminum/Vinyl |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 39,480 sqft (0.906 acres) |
| Lot Dimensions | 210 ft deep x 188 ft wide |
| Garage Area | 1,408 sqft |
| Parking Spaces | 2 Parking Spaces |
| Shed | 1 Shed |
| Shed Area | 96 sqft |
| Storage Building | 832 sqft |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 429 RED RIVER AVE N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-1420 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | ALL THAT PART OF LOT 1 BLK 1 PETERS ADDN AND OF NE4SE4 D.A.F. BEG AT SE CORNER OF LOT 1 BLK 1 PETERS ADDN - W159.18' - N115' |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 15 |
| Legal Subdivision | PETERS ADD |
| Legal Block | 1 |
| Legal Lot Number | 1 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 3 |
| Census Block | 3049 |
| Census Tract | 11302 |
Source: Stearns County records, as of May 15, 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 | 429 RED RIVER AVE N, COLD SPRING, MN 56320-1420 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | May 22, 1995 · Amount on Record |
| Deed Sale | May 22, 1995 · Amount on Record |
| Prior Sale | Jun 16, 1993 · Amount on Record |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | May 4, 2026 |
| Property Address | 429 RED RIVER AVE N, COLD SPRING, MN 56320-1420 |
| Document Number | 0001712480 |
| Instrument Date | Apr 17, 2026 |
| Instrument | 20261712480 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | NONE LISTED ON DOCUMENT |
| Name | Verified Name |
|---|---|
| Address | 429 RED RIVER AVE N, COLD SPRING, MN 56320-1420 |
| Document Number | 0001712480, |
|---|---|
| Date | May 4, 2026 |
| Instrument | 20261712480 |
| Name | GRANITE BANK |
|---|
| Type | Line of Credit |
|---|---|
| Amount | Amount Recorded |
| Term | 120 Months |
| Due | Apr 26, 2036 |
| Rate | 6.22% |
|---|---|
| Max Rate | -1% |
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 | $3,036.00 (+13.37%) | ||
| 2025 | $171,500 (+8.13%) Land $44,500 Building $127,000 | $171,500 (+8.13%) Land $44,500 Building $127,000 | |
| 2023 | $2,678.00 | $158,600 Land $44,500 Building $114,100 | $158,600 Land $44,500 Building $114,100 |
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 | None beyond ember reach |
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 200 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 |
May also be available: GigFire, Verizon.
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