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 $5,648 (2025).

Does this home have a garage?

Yes, this home has a 3-car garage.

How long has this property been on the market?

This property has been listed for 321 days.

Listed at

$450,000

$195/sqft

21956 123rd Avenue

21956 123rd Avenue, Cold Spring, MN, 56320

3 Bedrooms3 Bathrooms2,311 Square Feet4.56 Acres

Days on market321

Year built1989

Garage spaces3

TypeResidential

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

Interested?

Pick a date to request a showing

Cancel anytime, free.

About this home

Nestled on 4.5 private acres, this 3-bedroom, 3-bath home offers peaceful country living with plenty of space inside and out. Enjoy a 2-stall attached garage, a detached heated workshop, and a lean-to with an optional water hookup, perfect for animals or extra storage. Inside, you'll find two kitchens and laundry hookups on both levels, making it ideal for a mother-in-law suite or rental opportunity. Take in the natural surroundings from the deck or back patio and appreciate the quiet, getaway feel this property provides. The property features pear, plum, apple, and cranberry trees for you to enjoy. Conveniently located close to Cold Spring with easy access to I-94, and near the Chain of Lakes for boating, kayaking, and fishing. Land around the property will not be developed, ensuring lasting privacy and serenity.

Contact us

Write a message

Home facts

Property typeResidential

Property subtypeSingle Family Residence

Year built1989

LevelsOne

Living area2,311 sqft

Above-grade finished1,260 sqft

Below-grade finished1,051 sqft

Lot size4.56 acres (457x558x200x369x100x105x68x295)

Days on market321

ListedNov 10, 2025

MLS #NST6804977

CountyStearns

Parcel #76416500120

Facts & features

Interior

Bedrooms: 3
Bathrooms: 3
Bath breakdown: 2 full / 1 half
Heating: Forced Air
Cooling: Central Air
Appliances: Dryer, Range, Refrigerator, Washer, Water Softener Owned

Property

Levels / stories: One
Garage: 3 spaces · 24x26 · 568 sqft
Parking features: Attached Garage, Detached Garage, Gravel, Concrete, Multiple Garages
Patio & porch: Deck, Front Porch, Patio
Other structures: Garage(s), Lean-To
Lot size: 4.56 acres

Construction

Property type: Residential
Property subtype: Single Family Residence
Foundation: 1,260 sqft
Roof: Age Over 8 Years, Asphalt
Year built: 1989

Utilities

Water: Private, Well
Sewer: Septic System Compliant - Yes
Fuel: Propane

Community & HOA

HOA: No HOA
School district: Rocori

Financial & listing details

Annual tax: $5,648 (2025)
Listed: Nov 10, 2025
Days on market: 321 · 58 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementDaylight/Lookout Windows, Finished, Full, Walkout

HeatingForced Air

CoolingCentral Air

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Main Level, Washer Hookup

AppliancesDryer, Range, Refrigerator, Washer, Water Softener Owned

DiningEat In Kitchen, Kitchen/Dining Room

AmenitiesCeiling Fan(s), Kitchen Window, Primary Bedroom Walk-In Closet, Main Floor Primary Bedroom, Patio, Porch, Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

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

Exterior & lot

RoofAge Over 8 Years, Asphalt

Foundation area1,260 sqft

Patio/porchDeck, Front Porch, Patio

Lot featuresTree Coverage - Heavy

Road frontageTownship, Unpaved Streets

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourcePrivate, Well

SewerSeptic System Compliant - Yes

FuelPropane

Parking & garage

ParkingAttached Garage, Detached Garage, Gravel, Concrete, Multiple Garages

Garage spaces3

Garage size568 sqft

Financial details

Annual taxes$5,648

Tax year2025

Taxes w/ assessments5648

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District number2255

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.

Tour homes with SODL’s flexible showing network
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

$2,986/mo

Principal & interest$2,365

Property taxes$471

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.