815 Main St, Cold Spring, MN 56320 Property Records

Stearns County property record for 815 Main St, Cold Spring, MN 56320 · Last verified August 2026

Property Highlights

Property Type	Residential > Single Family > Home
Bedrooms	3 Beds
Bathrooms	1.5 Baths
Year Built	Built 1976
Square Footage	2,156 sqft Living Area
Lot Size	12,325 sqft (0.283 acres)
Garage	624 sqft
Occupancy	Owner Occupied
Tax Bill	$2,001.00 (2026)

Property Details

APN / Parcel Number

Primary APN	`48-29202-0000`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Partial Baths	1 Partial Baths
Total Rooms	10 Rooms
Building Area	2,156 sqft Living Area
Gross Area	2,479 sqft Gross Area
1st Floor	1,616 sqft 1st Floor
Stories	1 Stories
Primary Flooring	Carpet Flooring
Interior Structure	Plaster Interior Structure
Fireplace	Fireplace
Fireplaces	1 Fireplaces

Exterior

Year Built	Built 1964
Effective Year Built	Effective 1976
Architectural Style	Ranch Style
Exterior Material	Wood Exterior
Roof Construction	Gable/Hip Roof Construction
Roof Material	Asphalt Roof
Lot Area	12,325 sqft (0.283 acres)
Depth X Width	145 ft x 85 ft Depth x Width
Parking Spaces	2 Parking Spaces
Garage Area	624 sqft Garage
Shed	1 Shed
Shed Area	110 sqft Shed

Utilities and HVAC

Cooling System	Central Cooling
Heating System	Forced Air with Air Conditioning Heating

Location & Zoning

Street Address	815 MAIN ST
City	COLD SPRING
State	MN
Zip	56320-2149
Property Usage	Residential Property Usage
Type	Residential > Single Family > Home
Legal Description	LT 4 LESS E10' & E5.7' OF LT 5 BLK 1 BACKES 4TH ADD SECTION 22 TOWNSHIP 123 RANGE 030 BACKES 4TH ADD SECTION 22 TOWNSHIP 123
Legal Range	30W
Legal Township	123
Legal Section	22
Legal Subdivision	BACKES 4TH ADD
Legal Block	1
Legal Lot Number	4-5
Jurisdiction	STEARNS MN
Minor Civil Division	COLD SPRING
Census Blockgroup	2
Census Block	2042
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29202-0000

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	815 MAIN ST, COLD SPRING, MN 56320-2149
Occupancy	Owner Occupied
Owner Type	Owner is an Individual, Couple or Unincorporated Entity

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Verified Name on Deed
Record Refreshed	Sep 20, 2026

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	$2,001.00 (-24.49%)	$274,200 (+8.68%) Land $45,300 Building $228,900	$274,200 (+8.68%) Land $45,300 Building $228,900
2025		$252,300 (+3.61%) Land $42,400 Building $209,900	$252,300 (+3.61%) Land $42,400 Building $209,900
2023	$2,650.00	$243,500 Land $42,400 Building $201,100	$243,500 Land $42,400 Building $201,100

Flood & Wildfire

815 Main St is in FEMA Zone X, outside the Special Flood Hazard Area, with indirect wildfire exposure (Low risk).

Flood

Source: FEMA National Flood Hazard Layer · Stearns County (27145C), updated September 29, 2024

FEMA Flood Zone	Zone X minimal flood hazard · outside the 0.2% annual chance floodplain
Special Flood Hazard Area	No

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities · 2nd edition (2024), fuels as of 2020

Wildfire Risk to Homes	Low 20th percentile of exposed land nationally · 39th in Minnesota
Wildfire Likelihood	Low — about 1 in 10,000 per year
Exposure	Indirect within ember reach of burnable land · adjoins burnable vegetation

Values are read at the parcel center point; lenders make the official flood determination.