21225 County Road 8, Cold Spring, MN, 56320
About This Home
A charming, peaceful retreat for every season and every reason! This immaculately maintained, year-round log-sided home sits on over an acre of premium, level lakeshore, offering breathtaking, panoramic views of Grand Lake. Inside, the home wraps you in warmth with beautiful knotty pine finishes throughout, perfectly balanced by the practical convenience of low-maintenance tile flooring across the main level. The heart of the home is a gorgeous kitchen complete with durable granite countertops, rich hickory cabinets, and a center island with seating for two. Dual patio doors open wide to a fabulous wrap-around patio, making indoor-outdoor entertaining a breeze. The main level also features a convenient 3/4 bath and a laundry room equipped with new appliances. Upstairs, you will discover a massive great room and primary bedroom suite that boasts spectacular elevated lake views and ample room to relax. This flexible space can easily be split into two separate bedrooms depending on your needs. Step outside to explore your private oasis, featuring beautiful perennial gardens, a serene creek view, and a massive storage shed for all your lake toys. Unwind after a long day on the water in your private lakeside sauna, upgraded with a brand-new heating system. Best of all, this secluded paradise offers the perfect blend of privacy and convenience, sitting within easy distance to several local shops and dining favorites. Major bonus Dock is also included and many of the furnishings will also be available.
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2004
Materials
- Roof: Metal
- Construction materials: Frame,Log
Type & Style
- Home type: SingleFamily
- Property subType: Single Family
Interior
Appliances
- Appliances included: Dryer,Gas Water Heater,Microwave,Range,Refrigerator,Washer,Water Softener Owned
- Laundry features: Main Level
Basement
- Basement: None
Bedroom
- Level: Upper
- Area: 368
- Dimensions: 16x23
Bedrooms & Bathrooms
- Bedrooms: 1
- Bathrooms: 1
- 3/4 bathrooms: 1
Dining Room
- Level: Main
- Area: 152
- Dimensions: 8x19
Features
- Number of fireplaces: 1
- Fireplace features: Electric
- Fireplace: Yes
- Finished area below ground: 0
- Finished area above ground: 960
Heating & Cooling
- Heating features: Forced Air,Fireplace(s)
- Cooling features: Central Air
Interior Area
- Total structure area: 960
- Total interior livable area: 960 sqft
Kitchen
- Level: Main
- Area: 150
- Dimensions: 10x15
Property
Accessibility
- Accessibility features: No Stairs External
Details
- Parcel number: 76416510600
- Zoning description: Residential-Single Family
- Foundation area: 480
Features
- Levels: Two
- Stories: 2
- Patio & porch: Patio
- Has view: Yes
- View description: Lake,Panoramic
- Has water view: Yes
- Water view: Lake
- On waterfront: Yes
- Waterfront features: Creek/Stream,Lake Front
- Frontage length: Water Frontage: 177
Lot
- Lot size: 1.14 Acres
- Features: Accessible Shoreline,Tree Coverage - Medium
- Lot size dimensions: 177 x 8 x 135 x 140 x 47 x 176
Parking
- Parking features: Gravel
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
- Inland Flooding
- Lightning
- Strong Wind
- Tornado
- Winter Weather
- Cold Wave
How This Home’s Risks Compare
FEMA Declared Disasters in Stearns County and Minnesota
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,845 | $22,140 |
| Home Insurance * | $217 | $2,604 |
| Property Taxes | $298 | $3,576 |
| Electricity | $170 | $2,050 |
| Total | $2,530 | $30,360 |
Income You'd Need if You Spent...
Minnesota FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-12 | Price change | $348,500 |
| 2026-07-29 | Price change | $364,900 |
| 2026-07-24 | Listed for sale | $379,900 |
| 2022-04-14 | Sold | $330,000 |
| 2022-03-21 | Pending sale | $325,000 |
| 2022-03-18 | Listed for sale | $325,000 |
| 2007-07-06 | Sold | $230,000 |
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