Does this property have an HOA?

No, this property does not have a homeowners association.

What are the annual property taxes?

Annual property taxes are $4,642 (2025).

What school district is this property in?

This property is in the 750 - Rocori school district.

Does this home have a garage?

Yes, this home has a 2-car garage.

How long has this property been on the market?

This property has been listed for 320 days.

Listed at

$450,000

$164/sqft

Maple Ridge

1609 1st Street, Cold Spring, MN, 56320

4 Bedrooms3 Bathrooms2,736 Square Feet0.483 Acres

Days on market320

Year built2005

Garage spaces2

TypeResidential

Est. $10,500buyer credit when you buy with SODL

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About this home

Finally, a turn-key home on a beautiful and private city lot. You will love the open floorplan and walk-out lower level. Entertain from your gorgeous and spacious kitchen...featuring a large center island, pantry and granite tops! This thoughtful home was built with aging in place amenities...no external stairs to the house. Downsizing? Well, compare this one to the prices of the new construction Patio homes. You will love the main floor primary suite with large bathroom and walk-in closet! Relax by the fireplace. The second main floor bedroom would make a perfect work from home office too! The main floor laundry is also a big plus. Step downstairs to your spacious walk-out lower level with a second fireplace, two more bedrooms and huge recreation room. This home has been meticulously maintained and updated over the years. Newer flooring throughout, new AC in 2023, granite tops added and so much more. Seller will consider a flooring allowance for the primary bedroom with acceptable offer. (contact agent for details) The 2-car garage is oversized with a 30' depth for all the toys. The backyard is very private, and the lot is nearly a 1/2 acre! You're going to feel right at home here!

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2005

LevelsOne

Living area2,736 sqft

Above-grade finished1,503 sqft

Below-grade finished1,233 sqft

Lot size0.483 acres (162x193x96x120)

Days on market320

ListedAug 6, 2025

MLS #NST6768031

CountyStearns

SubdivisionMaple Ridge

Parcel #48294410042

Facts & features

Interior

Bedrooms: 4
Bathrooms: 3
Bath breakdown: 2 full / 1 3/4
Heating: Forced Air
Cooling: Central Air
Appliances: Air-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer

Property

Levels / stories: One
Garage: 2 spaces · 24 x 24x6x12x30 · 660 sqft
Parking features: Attached Garage, Concrete
Patio & porch: Covered, Deck, Patio, Porch
Exterior features: Brick Veneer, Vinyl
Pool: None

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Frame
Foundation: Block · 1,503 sqft
Roof: Age Over 8 Years, Architectural Shingle, Pitched
Year built: 2005

Utilities

Water: City Water/Connected
Sewer: City Sewer/Connected
Fuel: Natural Gas
Electric: 200+ Amp Service

Community & HOA

Subdivision: Maple Ridge
HOA: No HOA
School district: 750 - Rocori
High school district: Rocori

Financial & listing details

Annual tax: $4,642 (2025)
Listed: Aug 6, 2025
Days on market: 320 · 293 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths1

Half baths0

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Drain Tiled, Egress Window(s), Finished, Full, Sump Basket, Walkout

HeatingForced Air

CoolingCentral Air

Fireplaces2

LaundryMain Level, Sink

AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Microwave, Range, Refrigerator, Washer

DiningInformal Dining Room

AmenitiesCeiling Fan(s), Deck, Hardwood Floors, Kitchen Center Island, Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Paneled Doors, Porch, In-Ground Sprinkler, Vaulted Ceiling(s), Walk-In Closet

AccessibilityDoors 36"+, Hallways 42"+, No Stairs External, Partially Wheelchair, Roll-In Shower

Special featuresMain Floor Primary, Main Floor Bedroom, Main Floor Laundry

Exterior & lot

ExteriorBrick Veneer, Vinyl

RoofAge Over 8 Years, Architectural Shingle, Pitched

FoundationBlock

Foundation area1,503 sqft

Patio/porchCovered, Deck, Patio, Porch

Lot featuresTree Coverage - Medium

Road frontageCity Street, Curbs, Paved Streets, Street Lights, Storm Sewer

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete

Garage spaces2

Garage size660 sqft

Financial details

Annual taxes$4,642

Tax year2025

Taxes w/ assessments4642

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District750 - Rocori

District number750

District phone3206854901

High schoolRocori

SODL flat fee brokerage

$10,500Estimated buyer credit

SODL platform fee $3,000Your buyer credit $10,500

Buyer-side commission

3.0%

How SODL buyer credits work

When you buy with SODL, the brokerage charges a flat $3,000 platform fee at closing. The remaining buyer-side commission (typically 3% of the purchase price) is credited directly back to you at closing, reducing the cash you bring to the table.

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Submit offers and manage your transaction through the platform
Keep more money at closing through transparent flat-fee pricing

A clear, modern way to buy with expert guidance and meaningful savings.

Estimated monthly payment

$2,902/mo

Principal & interest$2,365

Property taxes$387

Home insurance (est.)$150

Down payment

$90,000

0%50%

Credit score

Loan term

These payment estimates are for illustration purposes only and may vary based on your lender, interest rate, credit profile, down payment, taxes, insurance, and loan terms. For a more accurate monthly payment estimate, speak with your lender or connect with SODL’s preferred lending partner.