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24095 158th Ave, Cold Spring, MN, 56320

3beds
2baths
2,124sqft
$299,900
$141price/sqft
$2,080/moest. monthly cost
$83,200/yrincome needed

About This Home

Welcome to your peaceful retreat in Wakefield Township! Nestled on a 1-acre lot in the desirable Green Meadows neighborhood, this charming 3-bedroom, 2-bathroom ranch-style home offers over 2,100 finished square feet of bright, inviting living space within the Rocori School District. The main level features a light-filled open-concept layout that seamlessly connects the living area to an informal dining space, featuring granite countertops, warm wood floors, and stylish finishes throughout. Downstairs, the spacious fully finished basement boasts a large family room centered around a cozy gas fireplace, an additional bedroom, a flexible bonus room that could easily serve as a 4th bedroom, and abundant storage. Outdoors, step onto the expansive wooden deck overlooking a deep, tree-lined backyard complete with a storage shed and chicken coop—ideal for entertaining, hobbies, or simply relaxing in nature. Complete with an attached 2-car garage and an expanded gravel driveway, this turnkey Cold Spring home is ready to welcome you!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
22
BikeSomewhat Bikeable

Schools

6/10
--

Construction

Condition

  • Year built: 1991

Materials

  • Roof: Age Over 8 Years,Asphalt

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family

Interior

Appliances

  • Appliances included: Dishwasher,Dryer,Range,Refrigerator,Washer
  • Laundry features: Lower Level

Basement

  • Has basement: Yes
  • Basement: Block,Daylight,Finished,Full,Storage Space

Bathroom

  • Level: Main
  • Area: 80
  • Dimensions: 10x8

Bedroom

  • Level: Main
  • Area: 182
  • Dimensions: 14x13

Bedroom2

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

Bedroom3

  • Level: Lower
  • Area: 180
  • Dimensions: 15x12

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Level: Main
  • Area: 96
  • Dimensions: 12x8

Family Room

  • Level: Lower
  • Area: 260
  • Dimensions: 20x13

Features

  • Number of fireplaces: 1
  • Fireplace features: Family Room,Gas
  • Fireplace: Yes
  • Finished area below ground: 948
  • Finished area above ground: 1,176

Flex Room

  • Level: Lower
  • Area: 168
  • Dimensions: 14x12

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,352
  • Total interior livable area: 2,124 sqft

Kitchen

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Living Room

  • Level: Main
  • Area: 156
  • Dimensions: 13x12

Utility Room

  • Level: Lower
  • Area: 228
  • Dimensions: 19x12

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 36242900003
  • Zoning description: Residential-Single Family
  • Foundation area: 1176

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Fencing: None

Lot

  • Lot size: 1 Acres
  • Features: Irregular Lot,Tree Coverage - Medium
  • Lot size dimensions: irregular

Parking

  • Total spaces: 2
  • Parking features: Attached,Gravel,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2
  • Has uncovered spaces: Yes

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 $1,516$18,192
Home Insurance *$178$2,136
Property Taxes $207$2,484
Electricity $179$2,149
Total$2,080$24,960
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$71,314/yr
40% on housing$62,400/yr
45% on housing$55,466/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

$141This listing

vs Other Active Listings

Avg $/sqft

ZIP 56320$190
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
2026-08-07Pending sale$299,900
2026-07-28Listed for sale$299,900
2018-02-20Sold$190,000
2018-01-30Pending sale$195,000
2017-10-31Price change$195,000
2017-10-11Price change$199,900
2017-08-19Listed for sale$215,000
2017-06-15Sold$113,511
2017-05-05Listed for sale--
2016-12-29Listing removed$159,900
2016-10-30Pending sale$159,900
2016-09-26Price change$159,900
2016-07-14Listed for sale$169,900

For Sale by Agent

AgentKaren Chopp
BrokerageColdwell Banker Realty

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