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

Stearns County property record for 617 Emma Dr SE, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	3 bd · 1 ba · 1,344 sqft · built 2005
Lot Size	0.329 acres (14,337 sqft)
Owner	2 Individual Names on Record
Last Sale	$309,900 (May 2024)
Tax Bill	$3,296 (2026)
Deeds & Mortgages	Feb 2026 Transfer Jun 2019 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-29320-0536`

Property Details

APN / Parcel Number

Primary APN	`48-29320-0536`

Interior

Bedrooms	3 Beds
Full Baths	1 Bath
Stories	1 Story
Building Area	1,344 sqft Living Area
Gross Area	1,613 sqft
1st Floor Area	1,344 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall

Exterior

Year Built	Built 2005
Effective Year Built	Effective 2005
Architectural Style	Ranch
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	14,337 sqft (0.329 acres)
Garage Type	Attached
Garage Area	608 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	617 EMMA DR SE
City	COLD SPRING
State	MN
Zip	56320-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 009 BLK 002 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	2
Legal Lot Number	9
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	1
Census Block	1009
Census Tract	11302

Owner

Source: Stearns County records, as of April 21, 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 Record
Mailing Address	617 EMMA DR SE, COLD SPRING, MN 56320-1454
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Feb 25, 2026	Quit Claim Deed, Transfer FIRST AMERICAN TITLE
Jun 28, 2019	Warranty Deed, Transfer
May 14, 2018	Foreclosure

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	May 13, 2024 · Amount on Record
Deed Sale	May 13, 2024 · Amount on Record
Prior Sale	Jun 28, 2019 · Amount on Record
Deed Document Number	20241647511
Last Transfer Date	Feb 17, 2026
Transfer Doc	0001708647
Record Updated	Jun 8, 2026

February 2026: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Feb 25, 2026
Property Address	617 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1708647
Instrument Date	Feb 17, 2026
Instrument	A1708647
Transaction Type	Transfer
Record Updated	Apr 7, 2026
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Quitclaim Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	617 EMMA DR SE, COLD SPRING, MN 56320-1454

June 2019: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Jun 28, 2019
Property Address	617 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1546684
Instrument Date	Jun 20, 2019
Instrument	A1546684
Transaction Type	Transfer
Record Updated	Sep 21, 2023

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	617 EMMA DR SE, COLD SPRING, MN 56320-1454

May 2018: Foreclosure

Document Type	Foreclosure
Jurisdiction	STEARNS MN
Recording Date	May 14, 2018
Property Address	617 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1520337
Instrument Date	Apr 25, 2018
Instrument	A1520337
Transaction Type	Foreclosure
Record Updated	Sep 21, 2023

Transaction

Amount	Amount Recorded
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 assessment roll, as of November 6, 2025

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	$3,296.00 (+12.72%)
2025		$284,500 (+3.61%) Land $32,700 Building $251,800	$284,500 (+3.61%) Land $32,700 Building $251,800
2023	$2,924.00	$274,600 Land $32,800 Building $241,800	$274,600 Land $32,800 Building $241,800

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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