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Single Family ResidenceResidential
Last sold for $33,400 on Nov 7, 2002

403 12TH ST N

COLD SPRING, MN 56320
4
Beds
1
Baths
1,290 ft²
Living AreaTotal finished area of the structures, from county records. Some counties include shared space like hallways or a building gym, so it may not match a listing.
0.24 ac
Lot SizeThe size of the land the home sits on, from county records.
2004
Year BuiltThe year the home was originally built, according to county records.
1
StoriesHow many floors the home has above ground.
4
ParkingThe number of parking spaces on the property, including the garage.

Valuation

Last SaleThe most recent sale price and date from the recorded deed. Transfers between family members or companies may not reflect market value.$33,400 · Nov 7, 2002

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$3,690 (2026)
Assessed ValueThe value the county assigns to this home to calculate property tax. It is often lower than what the home would sell for.$313,700 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$54,400
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$259,300
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$314,000
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$313,700

Climate Risk

Overall riskThe average of the five hazard scores below, on a 0 to 100 scale. Higher means greater projected risk over the coming decades.31
1
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
30
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
56
HeatProjected heat risk, scored 0 to 100, based on how many extremely hot days a year are expected. Higher is riskier.
49
StormProjected risk from heavy rainstorms, scored 0 to 100, based on how often extreme rainfall is expected. Higher is riskier.
22
DroughtProjected water shortage risk, scored 0 to 100. Higher means more strain on the local water supply.
FEMA Flood ZoneFEMA's flood zone for this address. Zones starting with A or V are high risk, and lenders usually require flood insurance there.minimal

Scores 0–100; higher = greater projected risk.

Property Facts

Property TypeThe broad category the county puts this property in, such as residential or commercial.Single Family Residence
StyleThe architectural style of the home, such as ranch or colonial.Ranch
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.0.24
ConstructionThe main material the home's frame and walls are built from.Frame (Unspecified)
RoofThe main material covering the roof, such as asphalt shingle or tile.Asphalt
HeatingThe type of heating system in the home.Forced Air With Air Conditioning
CoolingThe type of cooling or air conditioning in the home.Central
GarageWhether the property has a garage, and details like whether it is attached to the home.Garage, Attached
PoolWhether the property has a pool, and what kind, such as in-ground.No
FeaturesExtra features found in county records. Records are not complete everywhere, so a missing feature does not always mean the home lacks it.Shed · 96 ft²

Neighborhood · ZIP 56320These are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.92
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.100
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.13

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.90%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.18%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.9%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.1%
PopulationHow many people live in this area.7,250
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.130 / mi²
Median incomeThe middle household income here — half of households earn more, half earn less.$95,675
Average incomeThe average household income. It runs higher than the median when a few high earners pull it up.$110,390
Average tempThe average temperature here across a full year.43°F
Annual precipHow much rain and melted snow falls here in a typical year.29 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.55%

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Data by ATTOM. Valuations are automated estimates, not appraisals. Photos from Google Street View and may not depict the current property state.

How this home compares

403 12th St N measured against every home in its neighborhood, its ZIP code and its county, using county assessor records refreshed nightly. A home can stand out in one of those areas and look ordinary in another, because each one holds a different mix of homes.

  • Has a smaller lot than 83% of homes in Cold Spring 56320
  • Newer than 84% of homes in Cold Spring 56320

How it measures up in Cold Spring 56320

The dot is this home. The mark in the middle is the typical home in Cold Spring 56320.

Living area1,290 ft²
SmallerTypical 1,412 ft²Bigger

Bigger than 39% of homes nearby

Lot size0.24 ac
SmallerTypical 0.46 acBigger

Bigger than 17% of homes nearby

Year built2004
OlderTypical 1987Newer

Newer than 84% of homes nearby

How 403 12th St N ranks against every home in each area.
MeasureThis homeCold Spring 56320Stearns County
Living areabigger than1,290 ft²39% of homes46% of homes
Lot sizebigger than0.24 ac17% of homes27% of homes
Year builtnewer than200484% of homes84% of homes

About 403 12th St N

When did 403 12th St N, Cold Spring, MN last sell?

403 12th St N, Cold Spring, MN last sold on Nov 7, 2002 for $33,400, according to the county's recorded deed.

How big is 403 12th St N, Cold Spring, MN?

403 12th St N, Cold Spring, MN has 4 bedrooms, 1 bathrooms, 1,290 square feet of living space and a 0.24-acre lot.

When was 403 12th St N, Cold Spring, MN built?

403 12th St N, Cold Spring, MN was built in 2004, making it 22 years old. It is a ranch home. The building has 1 story.

How does 403 12th St N, Cold Spring, MN compare to other homes in Cold Spring 56320?

Among the 3,440 homes in Cold Spring 56320, it is bigger than 39% of them (1,290 ft² against a typical 1,412 ft²), its lot is bigger than 17% of them (0.24 ac against a typical 0.46 ac) and it is newer than 84% of them (2004 against a typical 1987). These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on 403 12th St N, Cold Spring, MN?

The 2026 property tax bill for 403 12th St N, Cold Spring, MN was $3,690. The county assessed it at $313,700.

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