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

Stearns County property record for 118 River Oaks Dr, Cold Spring, MN 56320

Property Summary

Property Type	Single Family Home
Details	2 bd · 1.75 ba · 1,461 sqft · built 1996
Lot Size	0.149 acres (6,480 sqft)
Owner	2 Individual Names on Record
Last Sale	$435,000 (Sep 2026)
Tax Bill	$4,116 (2026)
Deeds & Mortgages	Sep 2026 Sale Aug 2018 Sale
Flood Zone	Zone X (minimal risk)
APN	`48-29703-0047`

Property Details

APN / Parcel Number

Primary APN	`48-29703-0047`

Interior

Bedrooms	2 Beds
Full Baths	1.75 Baths
Total Rooms	8 Rooms
Stories	1 Story
Building Area	1,461 sqft Living Area
Gross Area	2,123 sqft
1st Floor Area	1,321 sqft
Flooring	Carpet
Interior Walls	Wallboard/Drywall
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1996
Effective Year Built	Effective 2002
Architectural Style	Ranch
Exterior Material	Wood Siding
Construction Type	Frame
Foundation Type	Block
Roof Type	Gable/Hip
Roof Material	Asphalt
Lot Area	6,480 sqft (0.149 acres)
Lot Dimensions	120 ft deep x 54 ft wide
Garage Type	Attached
Garage Area	583 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	Central
Heating System	Forced Air with A/C

Location & Zoning

Street Address	118 RIVER OAKS DR
City	COLD SPRING
State	MN
Zip	56320-1501
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	LOT 035 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	35
Jurisdiction	STEARNS MN
Township / Civil Division	COLD SPRING
Census Block Group	3
Census Block	3020
Census Tract	11302

Owner

Source: Stearns County records, as of October 9, 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 Record
Mailing Address	118 RIVER OAKS DR, COLD SPRING, MN 56320-1501
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Sep 23, 2026	Warranty Deed, Transfer RESULTS TITLE
Aug 7, 2018	Warranty Deed, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Sep 23, 2026 · Amount on Record
Deed Sale	Sep 23, 2026 · Amount on Record
Prior Sale	Aug 7, 2018 · Amount on Record
Deed Document Number	20261721486
Record Updated	Oct 29, 2026

September 2026: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Sep 23, 2026
Property Address	118 RIVER OAKS DR, COLD SPRING, MN 56320-1501
Document Number	0001721486
Instrument Date	Sep 15, 2026
Instrument	20261721486
Transaction Type	Transfer
Record Updated	Oct 9, 2026
Title Company	RESULTS TITLE

Transaction

Amount	Amount Recorded
Tax	$144,985.50
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	118 RIVER OAKS DR, COLD SPRING, MN 56320-1501

August 2018: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	STEARNS MN
Recording Date	Aug 7, 2018
Property Address	118 RIVER OAKS DR, COLD SPRING, MN 56320-1501
Document Number	00A1526441
Instrument Date	Jul 31, 2018
Instrument	A1526441
Transaction Type	Transfer
Record Updated	Aug 18, 2022

Transaction

Amount	Amount Recorded
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants
Address	118 RIVER OAKS DR, COLD SPRING, MN 56320-1501

Tax Assessment & Valuation

Source: Stearns County assessment roll, as of July 30, 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

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$4,116.00 (+22.94%)	$338,700 (-2.05%) Land $46,200 Building $292,500	$338,700 (-2.05%) Land $46,200 Building $292,500
2025		$345,800 (+7.36%) Land $42,900 Building $302,900	$345,800 (+7.36%) Land $42,900 Building $302,900
2023	$3,348.00	$322,100 Land $42,900 Building $279,200	$322,100 Land $42,900 Building $279,200

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

Flood

Source: FEMA National Flood Hazard Layer, effective September 29, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	3 in force
Nearby Flood Claims	3 (1984–2022)
Most Recent Claim	May 2022 · Severe Storms, Straight-line Winds, Tornadoes, And Flooding

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.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 60% of Minnesota
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	Cold Spring serves 4,201 people · EPA ID MN1730006
Water Source	Groundwater
Last State Inspection	Jun 2025
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. This system sells water to local utilities; the supplier billing this address may be one of them.

Internet Providers

Source: FCC Broadband Data Collection, based on 200 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Midco Cable	1,250 / 60
T-Mobile Fixed Wireless	100 / 20

May also be available: GigFire, Verizon.

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