604 Emma Dr SE, Cold Spring, MN 56320 Property Records

Stearns County property record for 604 Emma Dr SE, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,607 sqft · built 2021
Lot Size	0.28 acres (12,194 sqft)
Owner	Individual Name on Record
Last Sale	$328,000 (Jan 2023)
Tax Bill	$3,846 (2026)
Deeds & Mortgages	Jul 2023 Transfer Jan 2023 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29320-0501`

Property Details

APN / Parcel Number

Primary APN	`48-29320-0501`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,607 sqft Living Area
1st Floor Area	1,607 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2021
Effective Year Built	Effective 2021
Exterior Material	Metal
Construction Type	Frame
Roof Material	Asphalt
Lot Area	12,194 sqft (0.28 acres)
Garage Type	Attached
Garage Area	710 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Floor/Wall Furnace

Location & Zoning

Street Address	604 EMMA DR SE
City	COLD SPRING
State	MN
Zip	56320-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLK 001 EMMA'S ESTATES SECTION 23 TOWNSHIP 123 RANGE 030 SECTION 23 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	23
Legal Subdivision	EMMAS ESTATES
Legal Block	1
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	1
Census Block	1007
Census Tract	11302

Owner

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	Individual Name on Record
Mailing Address	604 EMMA DR SE, COLD SPRING, MN 56320-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Jul 25, 2023	Transfer on Death Deed, Transfer
Jan 31, 2023	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Jan 24, 2023 · Amount on Record
Deed Sale	Jan 24, 2023 · Amount on Record
Deed Document Number	20231507680
Record Updated	Sep 20, 2026

July 2023: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	STEARNS MN
Recording Date	Jul 25, 2023
Property Address	604 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1656956
Instrument Date	Jul 20, 2023
Instrument	A1656956
Transaction Type	Transfer
Record Updated	Aug 22, 2023

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	Tenants in Common

January 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jan 31, 2023
Property Address	604 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1648162
Instrument Date	Jan 24, 2023
Instrument	A1648162
Transaction Type	Transfer
Record Updated	Jul 10, 2023
Title Company	FIRST AMERICAN TITLE

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	604 EMMA DR SE, COLD SPRING, MN 56320-1454

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$3,846.00 (+5.6%)	$336,400 (+3.32%) Land $34,700 Building $301,700	$336,400 (+3.32%) Land $34,700 Building $301,700
2025		$325,600 (+10.52%) Land $29,700 Building $295,900	$325,600 (+10.52%) Land $29,700 Building $295,900
2024	$3,642.00 (+78.88%)
2023	$2,036.00	$294,600 Land $29,700 Building $264,900	$294,600 Land $29,700 Building $264,900

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	2 in force
Nearby Flood Claims	3 (1997–2009)
Claims Outside the SFHA	1 of 3
Most Recent Claim	Aug 2009 · river or lake 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	0.02% 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.

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 38 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
Starlink Satellite	280 / 30
GigFire Fixed Wireless	150 / 130

May also be available: Verizon.

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