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

Stearns County property record for 609 Emma Dr SE, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 2 ba · 1,913 sqft · built 2016
Lot Size	0.437 acres (19,075 sqft)
Owner	Individual Name on File
Last Sale	$275,000 (Apr 2020)
Tax Bill	$3,950 (2023)
Deeds & Mortgages	Apr 2020 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29320-0532`

Property Details

APN / Parcel Number

Primary APN	`48-29320-0532`

Interior

Bedrooms	4 Beds
Full Baths	2 Baths
Building Area	1,913 sqft Living Area
Gross Area	2,287 sqft
1st Floor Area	1,146 sqft
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2016
Architectural Style	Split Level
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	19,075 sqft (0.437 acres)
Garage Type	Attached
Garage Area	840 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air

Location & Zoning

Old Parcel Number	48.29320.0532
Street Address	609 EMMA DR SE
City	COLD SPRING
State	MN
Zip	56320-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 BLOCK 002 OF EMMA'S ESTATES
Legal Range	30
Legal Township	123
Legal Section	23
Legal Subdivision	EMMAS ESTATES
Legal Block	2
Legal Lot Number	5
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	1
Census Block	1009
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29320-0532

Assessment roll updated February 1, 2023 · Last verified April 2024

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on File
Co-owner	Verified Secondary Owner
Mailing Address	609 EMMA DR SE, COLD SPRING, MN 56320-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Apr 30, 2020 · Amount on Record
Deed Sale	Apr 30, 2020 · Amount on Record
Prior Sale	Dec 31, 2010 · Amount on Record
Deed Document Number	A1567802
Record Updated	Jun 07, 2026

April 2020: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Apr 30, 2020
Property Address	609 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1567802
Instrument Date	Apr 24, 2020
Instrument	A1567802
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	609 EMMA DR SE, COLD SPRING, MN 56320-1454

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated February 1, 2023 · Last verified April 2024

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
2023	$3,950.00	$357,500 Land $34,300 Building $323,200	$357,500 Land $34,300 Building $323,200

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2024 · FEMA NFIP claims and policies as of September 2026 · 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
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

Wildfire

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 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.

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
Starlink Satellite	280 / 30
LTD Broadband Fixed Wireless	150 / 130

May also be available: Verizon.

Based on FCC filings for 38 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.