430 Caroline Ln, Cold Spring, MN 56320 Property Records

Stearns County property record for 430 Caroline Ln, Cold Spring, MN 56320 · Last verified July 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,040 sqft · built 1972
Lot Size	0.9 acres (39,204 sqft)
Owner	2 Individual Names on File
Last Sale	$385,000 (Jun 2026)
Tax Bill	$3,052 (2026)
Deeds & Mortgages	Jun 2026 Sale & Mortgage
Flood Zone	Zone X (minimal risk)
APN	`76-41632-0200`

Property Details

APN / Parcel Number

Primary APN	`76-41632-0200`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,040 sqft Living Area
Gross Area	1,716 sqft
1st Floor Area	1,040 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 1972
Effective Year Built	Effective 1988
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	39,204 sqft (0.9 acres)
Lot Dimensions	248 ft deep x 176 ft wide
Garage Type	Attached
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces
Shed	1 Shed
Shed Area	240 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	430 CAROLINE LN
City	COLD SPRING
State	MN
Zip	56320-9543
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	.90 A. W157' OF E518' OF N 247.5' OF SE4NE4 LESS ST CITY OF ROCKVILLE OLD # 76.41632.000 SECTION 17 TOWNSHIP 123 RANGE 029
Legal Range	29W
Legal Township	123
Legal Section	17
Jurisdiction	STEARNS MN
Township / Civil Division	ROCKVILLE
Census Block Group	2
Census Block	2048
Census Tract	11306

Owner

Source: Stearns County records · APN 76-41632-0200

Assessment roll updated November 6, 2025 · Last verified July 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 File
Mailing Address	430 CAROLINE LN, COLD SPRING, MN 56320-9543
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jun 16, 2026 · Amount on Record
Deed Sale	Jun 16, 2026 · Amount on Record
Prior Sale	Apr 20, 2010 · Amount on Record
Deed Document Number	20261715232
Record Updated	Sep 20, 2026

June 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 16, 2026
Property Address	430 CAROLINE LN, COLD SPRING, MN 56320-9543
Document Number	0001715232
Instrument Date	Jun 04, 2026
Instrument	20261715232
Transaction Type	Transfer
Record Updated	Jun 26, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on File
Loan-to-Value (LTV)	LTV on Record
Tax	$128,320.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	430 CAROLINE LN, COLD SPRING, MN 56320-9543

Mortgage

Document Number	0001715233,
Date	Jun 16, 2026
Instrument	20261715233

Lender

Name	CROSSCOUNTRY MORTGAGE

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	360 Months
Due	Jul 01, 2056

Interest

Rate Type	Fixed Rate
Rate	6.3%
Initial Type	Fixed Rate
Max Rate	-1%

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified July 2026

Property Jurisdictions

Type	Name
State	Minnesota
County	Stearns County
Municipality	Rockville City
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	$3,052.00 (+23.06%)
2025		$286,300 (+6.19%) Land $44,000 Building $242,300	$286,300 (+6.19%) Land $44,000 Building $242,300
2023	$2,480.00	$269,600 Land $44,000 Building $225,600	$269,600 Land $44,000 Building $225,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · 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

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; lenders make the official flood determination.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 100 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	1,250 / 60
Verizon	Fixed Wireless	300 / 20

May also be available at this address: T-Mobile USA, Midcontinent Communications. Availability varies by address; speeds are provider-advertised maximums, not measured.