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 $4,662 (2026).

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 3-car garage.

How long has this property been on the market?

This property has been listed for 92 days.

Listed at

$469,900

$161/sqft

North Pointe

409 12th Street, Cold Spring, MN, 56320

4 Bedrooms3 Bathrooms2,922 Square Feet0.74 Acres

Days on market92

Year built2001

Garage spaces3

TypeResidential

Est. $11,097buyer credit when you buy with SODL

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About this home

Welcome to this beautifully maintained modified two-story set on 3/4 acres at the end of a cul-de-sac with stunning backyard views. The inviting main level features a spacious living room with a cozy gas fireplace, plus a versatile flex room with beautiful french doors ideal for a formal dining space, home office, or den. Seamless indoor/outdoor living through the sliding door in the dining room that leads to the screened porch -the perfect place to take in summer sunsets! New flooring throughout the main level in 2022. Upstairs offers three same-floor bedrooms, including a generous primary suite with walk-in closet, along with an updated full bath featuring granite countertops, new flooring, and updated lighting. The finished lower level is warm and welcoming with rich woodwork, custom built-ins, a second gas fireplace, a large family room and the 4th bedroom. An additional full bathroom includes a jetted tub with tiled surround. Storage is abundant on every level, including the oversized finished garage. Outside, the nearly one-acre lot is filled with mature landscaping, shrubs, a stamped concrete fire pit area, raised garden beds, and plenty of room to enjoy the outdoors. A rare combination of space, comfort, and beautiful surroundings in a truly inviting setting.

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Home facts

Property typeResidential

Property subtypeSingle Family

Year built2001

LevelsModified Two Story

Living area2,922 sqft

Above-grade finished1,802 sqft

Below-grade finished1,120 sqft

Lot size0.74 acres (48x159x223x75x257)

Days on market92

ListedMay 11, 2026

MLS #NST7063384

CountyStearns

SubdivisionNorth Pointe

Parcel #48296860246

Facts & features

Interior

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

Property

Levels / stories: Modified Two Story
Garage: 3 spaces · 12x2x22x17x24x8x10x24 · 644 sqft
Parking features: Attached Garage, Concrete, Finished Garage, Garage Door Opener, Insulated Garage
Patio & porch: Composite Decking, Deck, Enclosed, Rear Porch
Exterior features: Stone, Steel Siding
Lot size: 0.74 acres

Construction

Property type: Residential
Property subtype: Single Family
Construction materials: Block
Foundation: Block · 1,288 sqft
Roof: Age Over 8 Years, Architectural Shingle, Pitched
Year built: 2001

Utilities

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

Community & HOA

Subdivision: North Pointe
HOA: No HOA
School district: 750 - Rocori
High school district: Rocori

Financial & listing details

Annual tax: $4,662 (2026)
Tax with assessments: 4670
Listed: May 11, 2026
Days on market: 92 · 73 cumulative
Manufactured home: Yes

Interior details

Total bathrooms3

Full baths2

3/4 baths0

Half baths1

1/4 baths0

BasementBlock, Daylight/Lookout Windows, Drain Tiled, Drainage System, Egress Window(s), Finished, Full, Sump Pump

HeatingForced Air

CoolingCentral Air

Fireplaces2

LaundryLaundry Room, Main Level

AppliancesAir-To-Air Exchanger, Dishwasher, Disposal, Dryer, Gas Water Heater, Water Osmosis System, Iron Filter, Microwave, Range, Refrigerator, Washer, Water Softener Owned

DiningEat In Kitchen, Kitchen/Dining Room, Living/Dining Room, Separate/Formal Dining Room

AmenitiesCeiling Fan(s), French Doors, Kitchen Window, Primary Bedroom Walk-In Closet, Paneled Doors, Porch, In-Ground Sprinkler, Tile Floors, Vaulted Ceiling(s), Washer/Dryer Hookup, Walk-In Closet

AccessibilityNone

Special features3 BR on One Level, Main Floor Laundry

Exterior & lot

ExteriorStone, Steel Siding

RoofAge Over 8 Years, Architectural Shingle, Pitched

FoundationBlock

Foundation area1,288 sqft

Patio/porchComposite Decking, Deck, Enclosed, Rear Porch

Lot featuresIrregular Lot, Tree Coverage - Light

Road frontageCity Street, Cul De Sac, Curbs, No Outlet/Dead End, Paved Streets, Street Lights

Road responsibilityPublic Maintained Road

ZoningResidential-Single Family

Utilities

Water sourceCity Water/Connected

SewerCity Sewer/Connected

FuelNatural Gas

Parking & garage

ParkingAttached Garage, Concrete, Finished Garage, Garage Door Opener, Insulated Garage

Garage spaces3

Garage size644 sqft

Financial details

Annual taxes$4,662

Tax year2026

Taxes w/ assessments4670

Assessment pendingNo

Down payment resourceYes

Lender ownedNo

Short saleNo

ForeclosureNo

Schools

District750 - Rocori

District number750

District phone3206854901

High schoolRocori

SODL flat fee brokerage

$11,097Estimated buyer credit

SODL platform fee $3,000Your buyer credit $11,097

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

$3,015/mo

Principal & interest$2,470

Property taxes$389

Home insurance (est.)$157

Down payment

$93,980

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.