Stearns County property record for 826 2nd St N, Cold Spring, MN 56320 · Last verified July 2026
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 1 ba · 936 sqft · built 1982 |
| Lot Size | 0.262 acres (11,424 sqft) |
| Owner | Individual Name on File |
| Last Sale | $187,000 (Aug 2020) |
| Tax Bill | $2,756 (2026) |
| Deeds & Mortgages | Jun 2026 Mortgage Aug 2020 Sale |
| Flood Zone | Zone X (minimal risk) |
| APN | 48-29642-0000 |
| Primary APN | 48-29642-0000 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 7 Rooms |
| Stories | 1 Story |
| Building Area | 936 sqft Living Area |
| Gross Area | 1,498 sqft |
| 1st Floor Area | 936 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1982 |
|---|---|
| Effective Year Built | Effective 1989 |
| Architectural Style | Split Level |
| Exterior Material | Metal |
| Construction Type | Frame |
| Roof Type | Gable/Hip |
| Roof Material | Asphalt |
| Lot Area | 11,424 sqft (0.262 acres) |
| Lot Dimensions | 136 ft deep x 84 ft wide |
| Garage Type | Attached |
| Garage Area | 576 sqft |
| Parking Spaces | 2 Parking Spaces |
| Cooling System | Central |
|---|---|
| Heating System | Forced Air with A/C |
| Street Address | 826 2ND ST N |
|---|---|
| City | COLD SPRING |
| State | MN |
| Zip | 56320-1252 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | LOT 001 BLK 002 MEADOW VIEW PLAT 2 REPLAT SECTION 15 TOWNSHIP 123 RANGE 030 SECTION 15 TOWNSHIP 123 RANGE 030 |
| Legal Range | 30W |
| Legal Township | 123 |
| Legal Section | 15 |
| Legal Subdivision | MEADOW VIEW PLAT 2 REPLAT |
| Legal Block | 2 |
| Legal Lot Number | 1 |
| Jurisdiction | STEARNS MN |
| Township / Civil Division | COLD SPRING |
| Census Block Group | 2 |
| Census Block | 2040 |
| Census Tract | 11302 |
Source: Stearns County records · APN 48-29642-0000
Assessment roll updated November 6, 2025 · Last verified July 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 | 826 2ND ST N, COLD SPRING, MN 56320-1252 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Jun 16, 2026 | Deed of Trust, Mortgage · FHA Mortgage SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
| Aug 06, 2020 | Warranty Deed, Transfer |
| Deed Names | Verified Name on Deed |
|---|---|
| Last Sale | Aug 06, 2020 · Amount on Record |
| Deed Sale | Aug 06, 2020 · Amount on Record |
| Prior Sale | Oct 28, 2014 · Amount on Record |
| Deed Document Number | 20201576570 |
| Record Updated | Sep 20, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Jun 16, 2026 |
| Property Address | 826 2ND ST N, COLD SPRING, MN 56320-1252 |
| Document Number | 0001715230 |
| Instrument Date | May 19, 2026 |
| Instrument | 20261715230 |
| Transaction Type | Mortgage |
| Record Updated | Jul 12, 2026 |
| Title Company | SERVICELINK |
| Name | Verified Name |
|---|---|
| Address | 826 2ND ST N, COLD SPRING, MN 56320-1252 |
| Document Number | 0001715230, |
|---|---|
| Date | Jun 16, 2026 |
| Instrument | 20261715230 |
| Name | SECRETARY OF HOUSING AND URBAN DEVELOPMEN |
|---|
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 480 Months |
| Due | Jun 01, 2066 |
| Rate | 6.23% |
|---|---|
| Max Rate | -1% |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | STEARNS MN |
| Recording Date | Aug 06, 2020 |
| Property Address | 826 2ND ST N, COLD SPRING, MN 56320-1252 |
| Document Number | 00A1576570 |
| Instrument Date | Jul 31, 2020 |
| Instrument | A1576570 |
| Transaction Type | Transfer |
| Record Updated | Aug 18, 2022 |
| Amount | Amount Recorded |
|---|---|
| Tax | $0.00 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Relationship | Joint Tenants |
| Address | 826 2ND ST N, COLD SPRING, MN 56320-1252 |
Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified July 2026
| Type | Name |
|---|---|
| State | Minnesota |
| Municipality | Cold Spring City |
| County | Stearns County |
| Unified School District | Rocori Public School District (PK - 12) |
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 | $2,756.00 (+15.12%) | ||
| 2025 | $244,300 (+10.54%) Land $42,400 Building $201,900 | $244,300 (+10.54%) Land $42,400 Building $201,900 | |
| 2023 | $2,394.00 | $221,000 Land $42,400 Building $178,600 | $221,000 Land $42,400 Building $178,600 |
Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026
| FEMA Flood Zone | Zone X |
|---|---|
| Special Flood Hazard Area | No |
| Flood Hazard | Minimal |
| 500-Year Floodplain | No |
| Wildfire Risk | Low above 20% of the US · above 39% of Minnesota |
|---|---|
| Wildfire Likelihood | About 1 in 7,692 per year |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values are read at the parcel center point; lenders make the official flood determination.
Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 270 locations within about half a mile of this property
| Provider | Technology | Download / Upload (Mbps) |
|---|---|---|
| Midcontinent Communications | Cable | 1,250 / 60 |
| T-Mobile USA | Fixed Wireless | 100 / 20 |
May also be available at this address: LTD Broadband, AT&T, Verizon, Arvig Enterprises, BIF IV Intrepid HoldCo. Availability varies by address; speeds are provider-advertised maximums, not measured.
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