604 1st St S, Cold Spring, MN 56320 Property Records

Stearns County property record for 604 1st St S, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	3 bd · 2.25 ba · 1,565 sqft · built 1923
Lot Size	0.256 acres (11,147 sqft)
Owner	2 Individual Names on File
Tax Bill	$3,034 (2026)
Deeds & Mortgages	Jul 2026 Transfer
Flood Zone	Zone X (minimal risk)
APN	`48-29490-0000`

Property Details

APN / Parcel Number

Primary APN	`48-29490-0000`

Interior

Bedrooms	3 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	9 Rooms
Stories	1 Story
Building Area	1,565 sqft Living Area
Gross Area	1,728 sqft
1st Floor Area	1,085 sqft
Flooring	Carpet
Interior Walls	Paneling
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1923
Effective Year Built	Effective 1962
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Rolled Roofing
Lot Area	11,147 sqft (0.256 acres)
Lot Dimensions	157 ft deep x 71 ft wide
Garage Type	Attached
Garage Area	720 sqft
Parking Spaces	3 Parking Spaces
Shed	1 Shed
Shed Area	80 sqft

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Hot Water

Location & Zoning

Street Address	604 1ST ST S
City	COLD SPRING
State	MN
Zip	56320-2302
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	W20' OF LOT 2, ALL OF LOT 3 AND ALL OF LOT 4 LESS W'LY 32' OF BLK 26 MAURIN'S 2ND SUBD SECTION 22 TOWNSHIP 123 RANGE 030 OF
Legal Range	30W
Legal Township	123
Legal Section	22
Legal Subdivision	MAURINS 2ND SUBD
Legal Block	26
Legal Lot Number	2-4
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2052
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29490-0000

Assessment roll updated July 30, 2026 · Last verified August 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	604 1ST ST S, COLD SPRING, MN 56320-2302
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Transfer Date	Jul 01, 2026
Transfer Doc	0001716376
Record Updated	Sep 20, 2026

July 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 06, 2026
Property Address	604 1ST ST S, COLD SPRING, MN 56320-2302
Document Number	0001716376
Instrument Date	Jul 01, 2026
Instrument	20261716376
Transaction Type	Transfer
Record Updated	Jul 24, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 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	$3,034.00 (+16.33%)	$201,500 (+2.23%) Land $45,300 Building $156,200	$201,500 (+2.23%) Land $45,300 Building $156,200
2025		$197,100 (+12.63%) Land $42,400 Building $154,700	$197,100 (+12.63%) Land $42,400 Building $154,700
2023	$2,608.00	$175,000 Land $42,400 Building $132,600	$175,000 Land $42,400 Building $132,600

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Wildfire

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

Internet Providers

Source: FCC Broadband Data Collection as of December 31, 2025 · Last verified October 2026

Provider	Max Down / Up (Mbps)
Midcontinent Communications Cable	1,250 / 60
T-Mobile USA Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: BIF IV Intrepid HoldCo, LTD Broadband, Verizon.

Based on FCC filings for 188 locations within half a mile of this property.

Drinking Water

Source: EPA Safe Drinking Water Information System as of 2026 Q3 · EPA water system boundaries as of March 2026 · Last verified October 2026

Water System	Cold Spring serves 4,201 people
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 as reported to EPA, 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. The full violation and enforcement history is in the system's EPA record.