102 River Oaks Dr, Cold Spring, MN 56320 Property Records

Stearns County property record for 102 River Oaks Dr, Cold Spring, MN 56320 · Last verified August 2026

Property Summary

Property Type	Single Family Home
Details	2 bd · 2.25 ba · 1,574 sqft · built 2015
Lot Size	0.132 acres (5,750 sqft)
Owner	2 Company Names on File
Last Sale	$27,000 (Jan 1998)
Tax Bill	$5,150 (2026)
Deeds & Mortgages	Mar 2026 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29703-0055`

Property Details

APN / Parcel Number

Primary APN	`48-29703-0055`

Interior

Bedrooms	2 Beds
Full Baths	2.25 Baths
Half Baths	1 Half Bath
Total Rooms	12 Rooms
Stories	1 Story
Building Area	1,574 sqft Living Area
Gross Area	2,580 sqft
1st Floor Area	1,574 sqft
Flooring	Laminate Plank
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 2015
Effective Year Built	Effective 2015
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	5,750 sqft (0.132 acres)
Lot Dimensions	115 ft deep x 50 ft wide
Garage Type	Attached
Garage Area	495 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	102 RIVER OAKS DR
City	COLD SPRING
State	MN
Zip	56320-1500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 043 BLK 002 RIVER OAKS VILLA SECTION 15 TOWNSHIP 123 RANGE 030 SECTION 15 TOWNSHIP 123 RANGE 030
Legal Range	30W
Legal Township	123
Legal Section	15
Legal Subdivision	RIVER OAKS VILLA
Legal Block	2
Legal Lot Number	43
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3020
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29703-0055

Assessment roll updated July 30, 2026 · Last verified August 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Company Names on File
Mailing Address	102 RIVER OAKS DR, COLD SPRING, MN 56320-1500
Occupancy	Owner Occupied
Owner Type	Company
Vesting	Trust, Revocable Trust

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Jan 02, 1998 · Amount on Record
Deed Sale	Jan 02, 1998 · Amount on Record
Last Transfer Date	Feb 26, 2026
Transfer Doc	0001709593
Record Updated	Sep 20, 2026

March 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Mar 13, 2026
Property Address	102 RIVER OAKS DR, COLD SPRING, MN 56320-1500
Document Number	00A1709593
Instrument Date	Feb 25, 2026
Instrument	A1709593
Transaction Type	Transfer
Record Updated	May 26, 2026

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated July 30, 2026 · Last verified August 2026

Property Jurisdictions

Type	Name
State	Minnesota
Municipality	Cold Spring City
County	Stearns County
Unified School District	Rocori Public School District (PK - 12)

Tax Bill & Assessment History

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$5,150.00 (+25.3%)	$408,800 (-3.36%) Land $46,200 Building $362,600	$408,800 (-3.36%) Land $46,200 Building $362,600
2025		$423,000 (+8.27%) Land $42,900 Building $380,100	$423,000 (+8.27%) Land $42,900 Building $380,100
2023	$4,110.00	$390,700 Land $42,900 Building $347,800	$390,700 Land $42,900 Building $347,800

Flood & Wildfire

Source: FEMA National Flood Hazard Layer, Stearns County (27145C), updated September 29, 2024 · FEMA OpenFEMA NFIP redacted claims and policies, census block group 271450113023, refreshed September 2026 · USDA Forest Service Wildfire Risk to Communities, 2nd edition (2024), fuels as of 2020 · Last verified October 2026

Flood

FEMA Flood Zone	Zone X
Special Flood Hazard Area	No
Flood Hazard	Minimal
500-Year Floodplain	No
Nearest Special Flood Hazard Area	Zone A, within 500 ft
Flood Insurance Cost	Premium on Record median of 3 individual NFIP policies nearby
Nearby Flood Policies	3 in force 3 of 3 on primary residences
Nearby Flood Claims	3 (1984–2022)
Most Recent Claim	May 2022, river or lake flooding, Severe Storms, Straight-line Winds, Tornadoes, And Flooding

Wildfire

Wildfire Risk	Not rated no burnable land in reach
Wildfire Likelihood	Negligible
Exposure	None beyond ember reach

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.