621 1st St S, Cold Spring, MN 56320 Property Records

Stearns County property record for 621 1st St S, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1 ba · 1,394 sqft · built 1926
Lot Size	0.18 acres (7,850 sqft)
Owner	Individual Name on Record
Last Sale	$159,900 (May 2021)
Tax Bill	$1,884 (2026)
Deeds & Mortgages	Aug 2026 Mortgage May 2021 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-29472-0000`

Property Details

APN / Parcel Number

Primary APN	`48-29472-0000`

Interior

Bedrooms	4 Beds
Full Baths	1 Bath
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,394 sqft Living Area
Gross Area	1,430 sqft
1st Floor Area	728 sqft
Flooring	Wood
Interior Walls	Plaster

Exterior

Year Built	Built 1926
Effective Year Built	Effective 1963
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	7,850 sqft (0.18 acres)
Lot Dimensions	157 ft deep x 50 ft wide
Garage Area	624 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	621 1ST ST S
City	COLD SPRING
State	MN
Zip	56320-2301
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LT 15 & W10' OF LT 16 BLK 25 MAURIN'S NEW SUBD SECTION 22 TOWNSHIP 123 RANGE 030 MAURIN'S NEW SUBD SECTION 22 TOWNSHIP 123
Legal Range	30W
Legal Township	123
Legal Section	22
Legal Subdivision	MAURINS NEW SUBD
Legal Block	25
Legal Lot Number	15-16
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2053
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	621 1ST ST S, COLD SPRING, MN 56320-2301
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 5, 2026	Deed of Trust, Mortgage · Conventional Mortgage STATE CREDIT UNION
May 6, 2021	Deed, Transfer FIRST AMERICAN TITLE
May 6, 2021	Warranty Deed, Transfer FIRST AMERICAN TITLE

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	May 6, 2021 · Amount on Record
Deed Sale	May 6, 2021 · Amount on Record
Deed Document Number	20211601966
Prior Transfer Date	Apr 30, 2021
Prior Transfer Doc	00A1601965
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Aug 5, 2026
Property Address	621 1ST ST S, COLD SPRING, MN 56320-2301
Document Number	0001718601
Instrument Date	Jul 20, 2026
Instrument	20261718601
Transaction Type	Mortgage
Record Updated	Sep 9, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	621 1ST ST S, COLD SPRING, MN 56320-2301

Mortgage

Document Number	0001718601,
Date	Aug 5, 2026
Instrument	20261718601

Lender

Name	STATE CREDIT UNION

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Jul 24, 2041

Interest

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

May 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	May 6, 2021
Property Address	621 1ST ST S, COLD SPRING, MN 56320-2301
Document Number	00A1601965
Instrument Date	Apr 30, 2021
Instrument	A1601965
Transaction Type	Transfer
Record Updated	Nov 15, 2022
Title Company	FIRST AMERICAN TITLE

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

May 2021: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	May 6, 2021
Property Address	621 1ST ST S, COLD SPRING, MN 56320-2301
Document Number	00A1601966
Instrument Date	Apr 30, 2021
Instrument	A1601966
Transaction Type	Transfer
Record Updated	Aug 18, 2022
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	621 1ST ST S, COLD SPRING, MN 56320-2301

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	$1,884.00 (+31.75%)	$184,300 (+2.96%) Land $43,000 Building $141,300	$184,300 (+2.96%) Land $43,000 Building $141,300
2025		$179,000 (+10.29%) Land $40,200 Building $138,800	$179,000 (+10.29%) Land $40,200 Building $138,800
2023	$1,430.00	$162,300 Land $40,200 Building $122,100	$162,300 Land $40,200 Building $122,100

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

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

Values are read at the parcel center point; 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	0.01% annual chance
Exposure	None beyond ember reach

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

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

May also be available: GigFire, Intrepid Fiber Networks, Verizon.

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