704 4th St N, Cold Spring, MN 56320 Property Records

Stearns County property record for 704 4th St N, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	5 bd · 3.5 ba · 2,115 sqft · built 1971
Lot Size	1.17 acres (50,965 sqft)
Owner	Individual Name on File
Last Sale	$432,500 (Nov 2021)
Tax Bill	$5,050 (2026)
Deeds & Mortgages	Nov 2021 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29221-0000`

Property Details

APN / Parcel Number

Primary APN	`48-29221-0000`

Interior

Bedrooms	5 Beds
Full Baths	3.5 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	2,115 sqft Living Area
Gross Area	3,377 sqft
1st Floor Area	2,103 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1971
Effective Year Built	Effective 1980
Architectural Style	Ranch
Exterior Material	Wood
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Built-Up Asphalt
Lot Area	50,965 sqft (1.17 acres)
Lot Dimensions	253 ft deep x 203 ft wide
Garage Type	Attached
Garage Area	756 sqft
Parking Spaces	3 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	704 4TH ST N
City	COLD SPRING
State	MN
Zip	56320-1402
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 002 BLK 002 BACKES 5TH ADD SECTION 15 TOWNSHIP 123 RANGE 030 SECTION 15 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	15
Legal Subdivision	BACKES 5TH ADD
Legal Block	2
Legal Lot Number	2
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	2
Census Block	2033
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29221-0000

Assessment roll updated July 30, 2026 · Last verified August 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 File
Mailing Address	704 4TH ST N, COLD SPRING, MN 56320-1402
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Last Sale	Nov 05, 2021 · Amount on Record
Deed Sale	Nov 05, 2021 · Amount on Record
Deed Document Number	20211618855
Record Updated	Sep 20, 2026

November 2021: Deed, Transfer

Document Type	Deed
Jurisdiction	STEARNS MN
Recording Date	Nov 05, 2021
Property Address	704 4TH ST N, COLD SPRING, MN 56320-1402
Document Number	00A1618855
Instrument Date	Oct 29, 2021
Instrument	A1618855
Transaction Type	Transfer
Record Updated	Aug 18, 2022

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	704 4TH ST N, COLD SPRING, MN 56320-1402

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 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

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
2026	$5,050.00 (+22.39%)	$429,500 (+4.17%) Land $52,300 Building $377,200	$429,500 (+4.17%) Land $52,300 Building $377,200
2025		$412,300 (+7.31%) Land $48,900 Building $363,400	$412,300 (+7.31%) Land $48,900 Building $363,400
2023	$4,126.00	$384,200 Land $48,900 Building $335,300	$384,200 Land $48,900 Building $335,300

Flood & Wildfire

Source: FEMA National Flood Hazard Layer as of September 29, 2024 · USDA Forest Service Wildfire Risk to Communities as of 2024 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it

Wildfire

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	Indirect within ember reach
Adjoins Burnable Land	Yes

Values are read at the parcel center point; 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
T-Mobile USA Fixed Wireless	100 / 20

May also be available: LTD Broadband, Verizon.

Based on FCC filings for 200 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.