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76 Meadow Ln, Cold Spring, MN, 56320

3beds
2baths
1,655sqft
$489,900
$296price/sqft
$3,516/moest. monthly cost
$140,640/yrincome needed

About This Home

Walk in and appreciate the thoughtful layout and construction of this gorgeous new patio home in Cold Spring's Blue Heron Heights neighborhood! Vaulted ceilings, granite countertops & a generous sized pantry grace this elegant kitchen. Separate laundry room, tray ceiling in the primary bedroom, tile roll in shower, cozy fireplace, in-floor heat, and covered rear porch are also a few highlights to note in this beautiful patio home! Enjoy all your living space with the ease of no stairs!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
26
BikeSomewhat Bikeable

Schools

6/10
--
8/10
Rocori Senior High SchoolGrades 9-121.4 mi

Construction

Condition

  • New construction: Yes
  • Year built: 2025

Materials

  • Roof: Age 8 Years or Less,Architectural Shingle

Other

  • Builder name: WOODLAND HOMES INCORPORATED

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Air-To-Air Exchanger,Dishwasher,Microwave,Range,Refrigerator,Tankless Water Heater,Water Softener Owned
  • Laundry features: Laundry Room,Main Level

Basement

  • Basement: None

Bedroom

  • Level: Main
  • Area: 177.6
  • Dimensions: 14.8x12

Bedroom2

  • Level: Main
  • Area: 106
  • Dimensions: 10.6x10

Bedroom3

  • Level: Main
  • Area: 106
  • Dimensions: 10.6x10

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 1
  • 3/4 bathrooms: 1

Dining Room

  • Level: Main
  • Area: 120
  • Dimensions: 12x10

Features

  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes
  • Finished area below ground: 0
  • Finished area above ground: 1,655

Heating & Cooling

  • Heating features: Forced Air,Fireplace(s),In-Floor Heating
  • Cooling features: Central Air

Interior Area

  • Total structure area: 1,655
  • Total interior livable area: 1,655 sqft

Kitchen

  • Level: Main
  • Area: 144
  • Dimensions: 12x12

Laundry

  • Level: Main
  • Area: 62.41
  • Dimensions: 7.9x7.9

Living Room

  • Level: Main
  • Area: 249
  • Dimensions: 15x16.6

Property

Accessibility

  • Accessibility features: Doors 36"+,Hallways 42"+,No Stairs External,No Stairs Internal,Roll-In Shower

Details

  • Parcel number: 48292250084
  • Zoning description: Residential-Single Family
  • Foundation area: 1655

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Covered,Rear Porch

Lot

  • Lot size: 0.36 Acres
  • Lot size dimensions: 80 x 193 x 80 x 194

Parking

  • Total spaces: 3
  • Parking features: Attached,Concrete,Floor Drain,Insulated Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hail
    HailRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Strong Wind
    Strong WindRelatively High
  • Tornado
    TornadoRelatively High
  • Winter Weather
    Winter WeatherRelatively High
  • Cold Wave
    Cold WaveModerate

How This Home’s Risks Compare

Hail
Inland Flooding
Lightning
Strong Wind
Tornado
Winter Weather
Cold Wave

FEMA Declared Disasters in Stearns County and Minnesota

Flood
Severe Storm
Straight Line Winds

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,477$29,724
Home Insurance *$292$3,504
Property Taxes $577$6,924
Electricity $170$2,050
Total$3,516$42,192
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$120,548/yr
40% on housing$105,480/yr
45% on housing$93,760/yr

Minnesota FAIR Plan Programs

Minnesota FAIR Plan

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 4,160Commercial: 101
Total Premiums$4.54M
Total Exposure$457.44M

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 12.0%
12.0%
0%30.0%
Electricity Growth Rate10-year average: 2.7%
2.7%
0%15.0%
Property Taxes Growth Rate2-year average: 1.6%
1.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$296This listing

vs Other Active Listings

Avg $/sqft

ZIP 56320$176
Stearns County$141

vs Homes Sold Last Month

Median $/sqft

ZIP 56320$168
Stearns County$148

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-02-04Price change$489,900
2025-06-13Listed for sale$494,900

New Construction

AgentCraig Hiltner
BrokerageVoigtJohnson

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