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Rural ResidenceResidential
$295,173
TopHap EstimateOur estimate of what this home would sell for today, based on nearby sales, the home's size and features, and local price trends. It is a starting point, not an appraisal.· confidence 96How well the pricing models agreed with each other on this home. Higher means the estimate rests on stronger, more consistent data.· as of Jul 14, 2026

COLD SPRING, MN 56320
0
Baths
21.5 ac
Lot SizeThe size of the land the home sits on, from county records.

Valuation

$295K
$285K low$306K high

Tax & Assessment

Property TaxThe property tax billed for this tax year. It usually pays for schools, roads, and local services.$464 (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.$153,400 (2026)
Assessed LandThe share of the county's assessed value that comes from the land itself, not the buildings.$147,000
Assessed ImprovementsThe share of the county's assessed value that comes from the buildings and other structures on the land.$6,400
Previous AssessedThe county's assessed value from the year before, useful for seeing how the assessment changed.$144,500
Assessor Market ValueThe county assessor's own opinion of market value. It is separate from our estimate and updates on the county's schedule.$153,400

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.52
99
FloodProjected flooding risk from rivers, heavy rain, and storm surge, scored 0 to 100. Higher is riskier.
36
WildfireProjected wildfire risk, scored 0 to 100, based on how much land burns in a typical year. Higher is riskier.
55
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.
Projected Flood DepthHow deep a serious flood is expected to get here at some point in the next 30 years. Shown in inches.142 in
30-Year Flood ChanceThe chance of at least one serious flood here in the next 30 years, not in any single year.51%
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.Rural Residence
CountySTEARNS
Lot (acres)The size of the land the home sits on, from county records.21.50
PoolWhether the property has a pool, and what kind, such as in-ground.No

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

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.

  • Worth more than 75% of homes in Stearns County
  • Has a bigger lot than 95% of homes in Cold Spring 56320

What homes are worth in Cold Spring 56320

Each bar is how many homes fall in that price range. The marker is this home.

This home
$127K$685K

This home is worth more than 63% 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.

Estimated value$295,173
CheaperTypical $254,649Pricier

Pricier than 63% of homes nearby

Lot size21.5 ac
SmallerTypical 0.46 acBigger

Bigger than 95% of homes nearby

How ranks against every home in each area.
MeasureThis homeCold Spring 56320Stearns County
Estimated valuepricier than$295,17363% of homes75% of homes
Lot sizebigger than21.5 ac95% of homes93% of homes

About

How much is , Cold Spring, MN worth?

The TopHap Estimate for , Cold Spring, MN is $295,173 as of Jul 14, 2026. The likely range is $284,564 to $305,782. The estimate is modelled from recorded sales, assessments and the property's own characteristics — it is not an appraisal.

When did , Cold Spring, MN last sell?

, Cold Spring, MN last sold on Jan 1, 1900, according to the county's recorded deed.

How does , Cold Spring, MN compare to other homes in Cold Spring 56320?

Among the 3,440 homes in Cold Spring 56320, it is worth more than 63% of them ($295,173 against a typical $254,649) and its lot is bigger than 95% of them (21.5 ac against a typical 0.46 ac). Measured against all of Stearns County, it is worth more than 75% of homes there. These shares are recounted nightly from the full county assessor record for each area, not from active listings.

What are the property taxes on , Cold Spring, MN?

The 2026 property tax bill for , Cold Spring, MN was $464. The county assessed it at $153,400.

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