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

Stearns County property record for 109 River Oaks Dr, Cold Spring, MN 56320 · Last verified April 2026

Property Summary

Property Type	Single Family Home
Details	4 bd · 4 ba · 2,112 sqft · built 1990
Lot Size	0.263 acres (11,475 sqft)
Owner	2 Individual Names on File
Last Sale	$160,000 (Oct 2017)
Tax Bill	$5,062 (2026)
Deeds & Mortgages	Oct 2017 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29703-0005`

Property Details

APN / Parcel Number

Primary APN	`48-29703-0005`

Interior

Bedrooms	4 Beds
Full Baths	4 Baths
Total Rooms	7 Rooms
Stories	2 Stories
Building Area	2,112 sqft Living Area
Gross Area	2,034 sqft
1st Floor Area	650 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1990
Effective Year Built	Effective 2000
Exterior Material	Aluminum/Vinyl
Construction Type	Frame
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	11,475 sqft (0.263 acres)
Lot Dimensions	135 ft deep x 85 ft wide
Garage Type	Attached
Garage Area	576 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	109 RIVER OAKS DR
City	COLD SPRING
State	MN
Zip	56320-1500
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 005 BLK 001 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	1
Legal Lot Number	5
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3023
Census Tract	11302

Owner

Source: Stearns County records · APN 48-29703-0005

Assessment roll updated November 6, 2025 · Last verified April 2026

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

Owner of Record	2 Individual Names on File
Mailing Address	109 RIVER OAKS DR, COLD SPRING, MN 56320-1500
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	2 Verified Names on Deed
Last Sale	Oct 24, 2017 · Amount on Record
Deed Sale	Oct 24, 2017 · Amount on Record
Prior Sale	Dec 31, 2001 · Amount on Record
Deed Document Number	20171507437
Record Updated	Jun 08, 2026

October 2017: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Oct 24, 2017
Property Address	109 RIVER OAKS DR, COLD SPRING, MN 56320-1500
Document Number	00A1507437
Instrument Date	Oct 20, 2017
Instrument	A1507437
Transaction Type	Transfer
Record Updated	Aug 18, 2022
Title Company	ECTOR COUNTY ABSTRACT AND TITLE, TRI-COUNTY ABSTRACT & TITLE

Transaction

Amount	Amount Recorded
Tax	$528.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	111 EACH DR, COLD SPRING, MN 56320

Tax Assessment & Valuation

Source: Stearns County records · Assessment roll updated November 6, 2025 · Last verified April 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	$5,062.00 (+20.41%)
2025		$416,500 (+4.67%) Land $49,500 Building $367,000	$416,500 (+4.67%) Land $49,500 Building $367,000
2023	$4,204.00	$397,900 Land $49,500 Building $348,400	$397,900 Land $49,500 Building $348,400

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
Nearby Flood Policies	3 in force
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.

Internet Providers

Source: FCC Broadband Data Collection, availability as of December 31, 2025 · Published October 2026 · based on 200 locations within about half a mile of this property

Provider	Technology	Download / Upload (Mbps)
Midcontinent Communications	Cable	1,250 / 60
T-Mobile USA	Fixed Wireless	100 / 20

May also be available at this address: LTD Broadband, Verizon. Availability varies by address; speeds are provider-advertised maximums, not measured.

Mobile Coverage

5G and 4G LTE

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