Stearns County property record for 700 3rd St S, Cold Spring, MN 56320
| Property Type | Retail Stores (Personal Services, Photography, Travel) |
|---|---|
| Details | 19,908 sqft · built 1978 |
| Lot Size | 4.32 acres (188,179 sqft) |
| Owner | 2 Individual Names on Record |
| Last Sale | $136,000 (May 2026) |
| Tax Bill | $16,810 (2026) |
| Deeds & Mortgages | May 2026 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-30044-0009 |
| Primary APN | 48-30044-0009 |
|---|
| Building Area | 19,908 sqft Living Area |
|---|---|
| Gross Area | 4,200 sqft |
| 1st Floor Area | 19,740 sqft |
| Year Built | Built 1978 |
|---|---|
| Effective Year Built | Effective 1978 |
| Exterior Material | Metal |
| Construction Type | Steel Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 188,179 sqft (4.32 acres) |
| Lot Dimensions | 561 ft deep x 338 ft wide |
| Total Buildings | 11 Buildings |
| Street Address | 700 3RD ST S |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-2117 |
| Property Category | Commercial |
| Property Type | Commercial > Retail > Retail Stores (Personal Services, Photography, Travel) |
| Legal Description | LOT 10 BLK 1 WEST WIND DEVELOP ADDN ALSO W15' OF S626.77' OF SW4NE4 CONT. .22 ACRES IN SECTION 22 T123 R30 CITY OF COLD |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 22 |
| Legal Subdivision | WEST WIND DEVELOPMENT |
| Legal Block | 1 |
| Legal Lot Number | 10 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 4 |
| Census Block | 4010 |
| Census Tract | 11302 |
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 | 2 Individual Names on Record |
|---|---|
| Mailing Address | 40810 65TH AVE, RICE, MN 56367-9549 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | May 1, 2026 · Amount on Record |
| Deed Sale | May 1, 2026 · Amount on Record |
| Deed Document Number | 20261712359 |
| Record Updated | Sep 20, 2026 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | May 1, 2026 |
| Property Address | 700 3RD ST S, COLD SPRING, MN 56320-2117 |
| Document Number | 0001712359 |
| Instrument Date | Apr 24, 2026 |
| Instrument | 2026.1712359 |
| Transaction Type | Transfer |
| Record Updated | May 19, 2026 |
| Title Company | LARSON ABSTRACT |
| Amount | Amount Recorded |
|---|---|
| Tax | $45,328.80 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 40810 65TH AVE, RICE, MN 56367-9549 |
Source: Stearns County assessment roll, as of July 30, 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $16,810.00 (+11.92%) | $632,500 (-) Land $226,100 Building $406,400 | |
| 2025 | $632,500 (+7.51%) Land $226,100 Building $406,400 | $632,500 (+7.51%) Land $226,100 Building $406,400 | |
| 2023 | $15,020.00 | $588,300 Land $216,700 Building $371,600 | $588,300 Land $216,700 Building $371,600 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
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 |
| Flood Insurance Cost | Premium on Record median of 13 policies |
| Nearby Flood Policies | 13 in force |
| Nearby Flood Claims | 6 (1997–2022) |
| Claims Outside the SFHA | 3 of 6 |
| Most Recent Claim | May 2022 · Severe Storms, Straight-line Winds, And Flooding |
| Claims by Event |
|
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.
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 | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
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 |
| 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.
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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