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

Stearns County property record for 630 Emma Dr SE, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	4 bd · 1.75 ba · 1,844 sqft · built 2007
Lot Size	0.289 acres (12,588 sqft)
Owner	Individual Name on Record
Last Sale	$305,000 (Dec 2022)
Tax Bill	$4,784 (2026)
Deeds & Mortgages	Aug 2026 Line of Credit Dec 2022 Sale + 1 more
Flood Zone	Zone X (minimal risk)
APN	`48-29320-0514`

Property Details

APN / Parcel Number

Primary APN	`48-29320-0514`

Interior

Bedrooms	4 Beds
Full Baths	1.75 Baths
Stories	1 Story
Building Area	1,844 sqft Living Area
Gross Area	2,174 sqft
1st Floor Area	1,648 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2007
Effective Year Built	Effective 2007
Architectural Style	Ranch
Exterior Material	Metal
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	12,588 sqft (0.289 acres)
Garage Type	Attached
Garage Area	900 sqft
Parking Spaces	4 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	630 EMMA DR SE
City	COLD SPRING
State	MN
Zip	56320-1454
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 015 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	15
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 April 21, 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	630 EMMA DR SE, COLD SPRING, MN 56320-1454
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Aug 28, 2026	Deed of Trust, Mortgage · Line of Credit UNION CREDIT UNION
Dec 23, 2022	Warranty Deed, Transfer FIRST AMERICAN TITLE
Sep 29, 2020	Quit Claim Deed, Transfer Quitclaim

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Dec 20, 2022 · Amount on Record
Deed Sale	Dec 20, 2022 · Amount on Record
Prior Sale	May 27, 2015 · Amount on Record
Deed Document Number	20221500356
Record Updated	Oct 29, 2026

August 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	STEARNS MN
Recording Date	Aug 28, 2026
Property Address	630 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	0001719943
Instrument Date	Aug 6, 2026
Instrument	20261719943
Transaction Type	Mortgage
Record Updated	Sep 21, 2026
Title Company	NONE LISTED ON DOCUMENT

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	630 EMMA DR SE, COLD SPRING, MN 56320-1454

Mortgage

Document Number	0001719943,
Date	Aug 28, 2026
Instrument	20261719943

Lender

Name	UNION CREDIT UNION

Agreement

Type	Line of Credit
Amount	Amount Recorded

Interest

Rate Type	Adjustable Rate
Initial Type	Adjustable Rate
Adjustable	Adjustable Rate Rider
Max Rate	-1%

December 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Dec 23, 2022
Property Address	630 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1646524
Instrument Date	Dec 20, 2022
Instrument	A1646524
Transaction Type	Transfer
Record Updated	Jan 25, 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
Relationship	Joint Tenants
Address	630 EMMA DR SE, COLD SPRING, MN 56320-1454

September 2020: Quit Claim Deed, Transfer

Document Type	Quit Claim Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 29, 2020
Property Address	630 EMMA DR SE, COLD SPRING, MN 56320-1454
Document Number	00A1581517
Instrument Date	Aug 28, 2020
Instrument	A1581517
Transaction Type	Transfer
Record Updated	Aug 18, 2022

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
Address	EMMA DR SE, COLD SPRING, MN 56320

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	$4,784.00 (+26.49%)
2025		$395,600 (+3.05%) Land $29,700 Building $365,900	$395,600 (+3.05%) Land $29,700 Building $365,900
2023	$3,782.00	$383,900 Land $29,700 Building $354,200	$383,900 Land $29,700 Building $354,200

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	0.03% annual chance
Exposure	Direct burnable vegetation

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

Provider	Max Down / Up (Mbps)
Midco Cable	2,000 / 1,000
GigFire Fixed Wireless	150 / 130

May also be available: T-Mobile, Verizon.

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